Flexible & Non-QM Solutions: Loans as Unique as Your Income

Do you own your own business, work as a freelancer, or invest in real estate? Standard loans often say "no" to unique income streams. But at The Mortgage Link, we look at your whole financial picture. Our Non-QM (Non-Qualified Mortgage) loans use real-life factors—like bank statements or assets—to help qualify some applicants.
DSCR (Debt Service Coverage Ratio) Loans

 Built specifically for real estate investors. We may qualify you for a loan based entirely on the rental income the property generates, completely skipping your personal income verification. Not all applicants will qualify. 

Bank Statement Loans

A great solution for some self-employed individuals. Instead of standard tax returns, we use your actual monthly bank deposits to prove your business's health and income. 

1099 / P&L Only Loans

Tailored for independent contractors, gig workers, and freelancers. We can qualify you using just your 1099 forms or a simple Profit & Loss (P&L) statement from your business. 

Asset-Based Loans

If you have significant savings, investments, or retirement funds, we may be able to use those assets to qualify you for a loan—even if you don't have a traditional, recurring job. 

Written VOE (Verification of Employment)

A streamlined option for salaried employees. We verify your work history and income directly with your employer, allowing some applicants to skip complex tax paperwork. 

ITIN Loans

Designed for hardworking buyers who do not have a Social Security number but have a valid Individual Taxpayer Identification Number (ITIN). 

Foreign National Loans

Helping qualified non-U.S. citizens purchase investment properties or vacation homes in the United States using flexible, easy-to-provide documentation. 

Not Sure Which Loan is Right For You?

Connect today with one of loan officers to learn more about our loan products!

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Licensed States

Branch Location

Licensed Across the Country

The Mortgage Link is proud to be licensed in over 30 states! Our team of local loan experts brings personalized service and regional insight to every client experience. Whether you're connecting with us locally or online, you can expect the same high-quality support, wherever you are.

 

Let’s Build Your Personalized Loan Strategy

One conversation is all it takes. Schedule your complimentary mortgage consultation today and let’s explore a home loan that works for your unique financial goals.

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