Non-QM Loans Designed for Unique Borrower Profiles

Non-QM (Non-Qualified Mortgage) loans are designed for borrowers who do not fit conventional lending criteria. These loans provide flexible financing options for individuals with non-traditional income sources, self-employment income, or complex financial situations that may not meet standard underwriting guidelines.
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Flexible Qualification for Non-Traditional Income

Non-QM loans allow qualification based on alternative documentation, such as bank statements, asset depletion, or profit and loss statements. This flexibility is ideal for self-employed professionals, business owners, or borrowers with irregular income streams. We work closely with you to determine the documentation that best supports your loan application. Our approach ensures you can access financing that reflects your true earning capacity.
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Ideal for Residential Properties

These loans can be used for primary residences, second homes, and qualifying investment properties. By offering flexibility in income evaluation, Non-QM loans help borrowers who might otherwise struggle with conventional financing. Our team reviews each property and financial profile to ensure loan structures meet your goals. We focus on providing solutions that support both homeownership and investment strategies.
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Benefits of Non-QM Loans

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Flexible qualification for non-traditional income sources

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Available for primary, secondary, and investment properties

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Competitive rates with customized loan structures

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Access to financing for borrowers outside conventional guidelines
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Competitive Terms for Customized Financing

Non-QM loans offer competitive interest rates and flexible loan structures tailored to the borrower’s profile and property type. Fixed and adjustable-rate options may be available depending on specific program guidelines. We guide you through available rate options and repayment terms, helping you select a loan structure that balances affordability with long-term financial strategy.
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Why Choose Andy – Gagliano Mortgage, Inc.

At Andy – Gagliano Mortgage, Inc., we are committed to providing personalized mortgage solutions that meet the unique needs of every borrower. Our team combines deep industry expertise with a client-first approach, ensuring that each step of your loan process is clear, efficient, and tailored to your financial goals. Whether you are a first-time homebuyer, seasoned investor, or looking to refinance, we guide you with transparency and professionalism from application to closing.

We are known for

Personalized Service: Every client receives tailored guidance and solutions based on their unique financial profile and homeownership goals.

Expertise Across Loan Programs: From conventional and VA loans to DSCR and renovation financing, we provide knowledge and support for a wide range of mortgage options.

Transparent Communication: We keep you informed at every step of the mortgage process, ensuring clarity and confidence from application to closing.

Efficient, Smooth Closings: Our team proactively manages documentation, underwriting, and timelines to deliver a seamless mortgage experience.

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Why Choose Rapid Closing?

Choosing the right mortgage partner can make all the difference in your homeownership journey. At Rapid Closing, we combine speed, expertise, and personalized care to deliver financing solutions that are tailored to your goals. Whether you’re a first-time home buyer, refinancing, or exploring specialized programs, our team is dedicated to making the process smooth, transparent, and stress-free. With Rapid Closing, you’re not just getting a loan—you’re gaining a trusted partner who stands by you every step of the way.

We are known for

Fast & Reliable Closings – Streamlined processes that save you time and stress.

Wide Range of Loan Programs – From FHA and VA to DSCR, Jumbo, and USDA loans.

Personalized Guidance – Clear, step-by-step support with dedicated loan specialists.

Flexible Solutions – Options designed for first-time buyers, investors, and unique situations.

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"FAQs"

We provide a wide range of residential loan programs including Conventional Loans, DSCR Loans, VA Loans, FHA Loans, Jumbo Loans, USDA Loans, Down Payment Assistance, First-Time Homebuyer Programs, Fixed-Rate Home Equity Loans, HELOCs, Fix & Flip Loans, Non-QM Loans, Purchase Loans, Refinance Loans, Reverse Mortgages, Construction Loans, and Renovation Loans. Our team helps you choose the right loan based on your financial goals and property type.

Qualification depends on factors such as credit score, income, debt-to-income ratio, and the type of loan you are applying for. We offer personalized consultations to review your financial profile and guide you toward the loan programs that best fit your situation.

Yes! We specialize in programs designed for first-time homebuyers, including options with low down payments, flexible qualification criteria, and access to Down Payment Assistance programs to help make homeownership more achievable.

Absolutely. We offer refinance options to lower your interest rate, reduce monthly payments, adjust your loan term, or access home equity through cash-out refinancing. Our team will evaluate your current mortgage and financial goals to determine the most beneficial strategy.

Getting started is simple. Contact us at +1 (205) 979-4412 or email andy@gaglianomtg.com. We will schedule a consultation to review your goals, assess your financial profile, and guide you step-by-step through the application process to secure the loan that best fits your needs.

Support and Guidance Throughout the Process

Non-QM lending involves unique underwriting and documentation requirements. At Andy – Gagliano Mortgage, Inc., we manage the process proactively and communicate clearly at every stage. From application to closing, our team ensures timelines are met, and borrowers are informed. Our structured approach reduces uncertainty and delivers a smooth, efficient mortgage experience.