Bank Statement Loans
Qualify based on 12–24 months of personal or business bank statements. No tax returns required.
Loans Outside the Box: Non-QM Solutions
Non-QM loans open the door for self-employed professionals, investors, and others with unique income situations to access mortgage financing.
What is a Non-QM Loan?
A Non-QM (Non-Qualified Mortgage) loan is designed for creditworthy borrowers who don’t meet traditional lending guidelines. These loans are ideal for self-employed individuals, real estate investors, retirees with strong assets, borrowers recovering from credit events like foreclosure or bankruptcy, and foreign nationals with non-standard income. They’re not subprime loans—they’re built for financially responsible people with non-traditional income profiles.
Who Non-QM Loans Help:
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Self-employed borrowers with complex income
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Real estate investors
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Retirees with assets but limited income
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Borrowers with recent credit events
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Foreign nationals and non-traditional earners
Common Types of Non-QM Loans
DSCR Loans (Debt Service Coverage Ratio)
Perfect for investors. Approval is based on rental income covering the mortgage—not personal income.
Asset Depletion Loans
Use your liquid assets to qualify. Ideal for retirees or high-net-worth individuals without steady monthly income.
1099-Only & Interest-Only Loans
Options for freelancers, gig workers, and those looking for flexible payment structures or lower monthly costs.
Heather Frye
Area Leader // NMLS #213439
With over two decades in the mortgage and real estate industry, I’ve helped thousands of families, investors, and first time homebuyers turn their dreams into reality. For me this business isn’t just about loans, it’s about helping people build wealth, create stability and unlock financial freedom through smart real estate decisions.
I joined the mortgage industry in 1998 and bought my first home as a single mom in 2007. Fast forward to today – I manage a growing portfolio of investment properties, work as a licensed mortgage and real estate professional, and help clients like you navigate the ever-changing world of home financing.
When I am not securing the best loan solutions, you’ll find me balancing life as a working mom of three, managing our family businesses with my husband (fxbgprint.com) or outdoors with our dogs, goats and pigs. I believe in straight talk, smart strategies and building relationships that last far beyond the closing table.
Let’s make your next move the right one – together.
Licensed in 11 states: VA, MD, DC, WV, TN, PA, NC, SC, FL, TX, CA
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