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What is a non-qualified mortgage Loan?

Alternative financing that accommodates borrowers who don’t fit traditional mortgage guidelines through flexible underwriting.

Also referred to as non-qm loans, Non-Qualified Mortgages are loan options that do not hold the past against you when borrowing. Bad credit from foreclosures, late payments or filing for bankruptcy can void lending options via qualified loans. However, Non-qualified mortgage borrowing looks less at credit history and more at an individual’s ability to pay back a loan. For example, a borrower’s income, type of employment, and current cash flows.

Qualified Property Types for non-qualified mortgage Loans

Review the property types eligible for financing under this loan program.

Commercial Properties

Apartment Complexes

Retail Properties

Warehouses and Industrial Plants

Single-Family and Multi-Family Homes*

Construction projects

Townhouses and Condos*

*This provision does not apply to homesteaded primary residences.

For a full list of non-qualified mortgage Loan property types or for additional information, please contact us online or call 1 (954) 947-1232.

Loan benefits with Community capital

Built to support broker success 

Looking for private funding for your next investment property? Community Capital offers commercial real estate loans throughout Florida to help future investors get the funding they need to purchase or renovate an investment property. Our team of professional hard money lenders will work to provide the best hard money loan options for your investment project.

Fast & Reliable Funding
variety of loan options
Quick Decisions &
Competitive Rates
Local and Experienced staff
Loan terms

A quick overview of the key terms designed to help you move forward with confidence.

Up to 24 months
Interest only
Rates change daily
60% maximum LTV
1st mortgage position
How Our Loan Application Process Works

In real estate timing is everything and we’re here to help you act quickly.

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