Non QM Loans

Flexible Financing for Borrowers Who Don’t Fit Traditional Mortgage Rules

A Non-QM Loan is a mortgage designed for borrowers who don’t meet conventional loan requirements. Whether you’re self-employed, have irregular income, or need flexible underwriting, a Non-QM loan can help you secure the home you want.

Non-QM Loan Requirements

While requirements vary by lender and program, typical guidelines include:

Proof of income (traditional or alternative methods)
Good credit history (varies by program)
Sufficient equity or down payment
Debt-to-income ratios that may exceed conventional limits
Property eligibility verification

Who Should Consider a Non-QM Loan?

Self-employed borrowers

Flexible loan programs designed for business owners and self-employed income.

Real Estate Investors or Second-Home Buyers

Access financing solutions tailored for investment properties and vacation homes.

Individuals with High Net Worth but Irregular Income

Leverage your assets to qualify for loans even with variable income streams.

Borrowers with Recent Credit Events

Specialized programs help buyers recover from short-term credit issues or past foreclosure.

Those Seeking Jumbo or Non-Traditional Loan Amounts

Secure financing for high-value or unique loan requirements beyond conventional limits.

What Our Clients Say

Trusted by Homeowners Across Florida

Hear from our satisfied clients about their smooth mortgage experience, personalized service, and how we helped them achieve their homeownership dreams.

      
   EZ Funding Group
   124 Google reviews 
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       Posted on Google  
   
   Jorge Jurado 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service, 24/7. Jaime is very professional and always looking for customer needs,
  
 
      Posted on Google  
   
   Alexis Marxen 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had the privilege to work with Jaime Charouf for a closing. I'm a closer with a title company and having such great communication on the loan side makes the transaction go so smoothly. Jaime was on top of everything and was very responsive through the whole process. I would highly recommend him to anyone getting a mortgage.
  
 
      Posted on Google  
   
   sarita correa cardona 
 
 
 
 Trustindex verifies that the original source of the review is Google. We had a great experience working with Jaime on our loan. He was always available to answer any questions we had and made the entire process clear and easy to understand.
  
 
      Posted on Google  
   
   Andres Felipe Calderon Carvajal 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excelente acompañamiento y asesoría de Jaime
  
 
      Posted on Google  
   
   yosahira coleman 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excellente
  
 
      Posted on Google  
   
   Tanya Fenton 
 
 
 
 Trustindex verifies that the original source of the review is Google. My experience with the Ez Funding Group (Jaime) and his team was nothing short of Amazing!!!! Jaime was very thorough in making sure all deadlines were met and paperwork was completed. Buying a home was a process it took a lot of patience but thanks to Jaime my dream is now a reality. Thank you Ez Funding Group for everything.
  
 
      Posted on Google  
   
   BD Nails by Yadi 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excelente servicio. Hace 10 años me ayudó a comprar mi casa y este año nuevamente me asistió con el refinanciamiento. Siempre profesional, atento y dispuesto a responder todas mis preguntas. Lo recomiendo al 100% por su experiencia y dedicación. Excellent service. He helped me buy my home 10 years ago and this year assisted me again with the refinancing. Always professional, attentive, and willing to answer all my questions. I highly recommend him for his experience and dedication.
  
 
      Posted on Google  
   
   Andreina Font 
 
 
 
 Trustindex verifies that the original source of the review is Google. Jaime is incredible, we worked with us from the very beginning giving us clear guidance as to how to be ready to even begin the process of being ready to buy our home, he helped with any doubts, pushed us in the best possible way, I can say without a doubt if not because of him my husband and I would not be homeowners right now. To say I recommend him is an understatement, his commitment is just unparalleled Thank you Jaime
  
 
      Posted on Google  
   
   karen diaz 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had a great experience with Jaime. He was very patient, ready to Answer any questions, and extremely reliable.  I highly recommend Jaime from EZ funding. He made the  process so much easier and walked me through every step of the way

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Secure Financing with a Non-QM Loan

If traditional mortgage guidelines don’t fit your financial situation, a Non-QM loan can open the door to homeownership or investment opportunities.