Non QM Mortgage Loans in Phoenix AZLoans for Borrowers Who Don't Fit Standard Rules
Don't fit the standard mortgage rules? Non-QM loans were built for you. They look at the full picture instead of a strict checklist, making them perfect for self-employed borrowers, investors, and anyone with non-traditional income. I work with the top Non-QM lenders in Phoenix.
- 10+ Years Experience
- 1000+ Families Helped
- $500M+ in Loan Volume Closed
- Backed by the Nation's #1 Mortgage Brokerage
- License NMLS# 1455718
When You Need Non QM Mortgage Loans
Non-QM loans make sense any time conventional or government-backed loans don't fit. Common scenarios include self-employed borrowers whose tax returns understate their real income, investors with multiple properties or complex returns, borrowers with recent credit events, foreign nationals, and people with high assets but low taxable income. Non-QM lenders use alternative documentation, bank statements, P&Ls, assets, or rental income, to qualify you.
Our Non QM Mortgage Loans Process
Here's how we close your Non-QM loan. Call or text me with your situation, what kind of income, what kind of property, and what's blocking conventional financing. I'll match you with the right Non-QM lender. Pre-approval typically takes a day. Most Non-QM loans close in 25 to 35 days. I'll explain every step.
Non QM Mortgage Loans Cost in Phoenix
Non-QM rates run a bit higher than conventional because of the flexible documentation. Your rate depends on the program, your credit, your down payment, and the property type. I shop dozens of Non-QM lenders to find the best rate for your scenario. Every fee in writing before closing.
Why Choose Us
Non-QM is exactly the kind of lending most banks can't do well. I work with specialized lenders who handle these every day. Ten years in the business and 50-plus five-star reviews from clients who closed loans others said weren't possible. Same-day response on every call and text.
Mark Fazio made getting a hard money loan for my investment property in Phoenix incredibly easy. He explained all of my options, kept me updated throughout the process, and got us to the closing table quickly. I highly recommend Mark and his team to any real estate investor looking for financing.
Mark was fantastic to work with throughout our home purchase in Oklahoma. He was responsive, knowledgeable, and helped us overcome every obstacle that came up during the process. He made everything smooth from start to finish, and we truly appreciated his communication and professionalism. Highly recommend.
Mark was recommended by my Mortgage Broker in California and he was great. Made the whole process easy. Glad he was recommended to me.
Ready to Get Started?
Don't fit the standard rules? Call or text Mark at (480) 690-9790 today.
Browse all of our Mortgage Broker for self-employed and unique-income borrowers.
Reviewed by
Mark Fazio, Licensed Mortgage Loan Officer
NMLS #1455718 · Barrett Financial Group (NMLS #181106) · Phoenix, AZ
Mark Fazio is a licensed Phoenix mortgage broker with 10+ years of experience and over 1,000 home loans closed. He shops dozens of lenders to find the lowest rate on purchase, refinance, and specialty loans, and personally guides every client from the first call through closing.