Certified Mortgage Financial offers a comprehensive suite of mortgage programs for every type of borrower — from conventional QM loans to flexible Non-QM alternatives for self-employed, investors, and underserved borrowers.
Non-QM Programs — Available Nationwide
Minimal Documentation Loans - Flexible lending solutions for borrowers who don't fit traditional guidelines.
Bank Statement Loans
Qualify using 1, 3, 6, 12, or 24 months of personal or business bank statements — no tax returns or W2s required. Ideal for self-employed borrowers and business owners.
2nd Loans - Fixed Rate Non-QM Closed-End Second Mortgage Loans
Fixed-rate second mortgage financing outside traditional QM guidelines. Ideal for borrowers seeking to access equity without refinancing their first mortgage.
DSCR (1-4 Units) Investment Property Loans
Debt Service Coverage Ratio loans for real estate investors. Qualify based on the property's rental income — no personal income documentation required. Available for 1-8 unit residential and small commercial properties.
Asset Depletion / Asset Utilization
Qualify using liquid assets as income. Ideal for retirees or high-net-worth borrowers with substantial assets but limited income documentation.
Profit & Loss Statement Loans
Use a CPA-prepared or self-prepared P&L statement to qualify. No tax returns required. Great for self-employed borrowers with complex financials.
1099 Income Loans
Qualify using 1099 forms from the past 1-2 years. Perfect for independent contractors, freelancers, and gig economy workers.
Foreign National and ITIN Mortgage Loans
Financing for non-US citizens purchasing or refinancing US real estate. No US credit history required in many cases. And use an Individual Taxpayer Identification Number instead of a Social Security Number.
Interest-Only Loans
Lower initial monthly payments with interest-only periods. Available on many Non-QM programs with 30 or 40 year fixed terms for qualified borrowers.
Non-Warrantable Condo Loans
Financing for condos that don't meet Fannie Mae/Freddie Mac guidelines — including condotels, high investor concentration buildings, and new construction.
Fix & Flip / Bridge Loans
Short-term financing for real estate investors purchasing, renovating, and reselling properties. Fast closings available.
DSCR (5-8 Units) Investment Property Loans
Debt Service Coverage Ratio loans for real estate investors. Qualify based on the property's rental income — no personal income documentation required. Available for 5-8 unit residential and small commercial properties.
WVOE Only Loans - "Written Verification of Employment Loans"
Qualify using a Written Verification of Employment only — no tax returns, pay stubs, or W2s required. A streamlined solution for salaried borrowers with non-traditional documentation needs.
Hard Money Loans
Asset-based short-term financing secured by real property. Ideal for investors who need fast funding and don't qualify for conventional financing. Credit and income documentation requirements are minimal.
40-Year Fixed Loans
Extended 40-year fixed-rate mortgage for lower monthly payments and improved cash flow. Available on select Non-QM programs for qualified borrowers.
Qualified Mortgage (QM) Programs — California
Conventional Loans - DPA 100% Financing
Fixed and adjustable-rate conventional loans conforming to Fannie Mae and Freddie Mac guidelines. Competitive rates for well-qualified borrowers.
FHA & Reverse Mortgage Loans - Home Equity Conversion Mortgage (HECM)
Government-backed loans with low down payment requirements (as low as 3.5%). Ideal for first-time homebuyers, seniors and those with lower credit scores.
VA Loans
Exclusive to eligible veterans, active-duty service members, and surviving spouses. No down payment required, no PMI, and competitive rates.
USDA Loans
Zero down payment loans for eligible rural and suburban properties. Income limits apply.
Jumbo Loans
Financing above conforming loan limits for high-value California properties. Competitive rates for strong borrower profiles.
HELOC — Home Equity Line of Credit
Access your home's equity with a flexible revolving line of credit. Use funds for home improvements, debt consolidation, or other needs.
Ready to Apply?
Our team will match you with the right program for your situation.
Ready to Find the Right Loan?
Our experienced team will review your scenario and match you with the best program available — whether you need a Non-QM solution or a traditional mortgage.
Start Your ApplicationCall: 800.784.9081
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Certified Mortgage Financial | NMLS ID: 311863 | CADRE#01426466 | California | NMLS Consumer Access. All loan programs subject to credit approval. Terms and conditions apply. Not all programs available in all states.