Welcome to Simply Approved Mortgages, where we specialize in making non-QM loans in Florida accessible and straightforward for you. Whether you’re a self-employed professional, have a unique financial situation, or simply need more flexibility in your mortgage, our non-QM loan options can be the perfect solution.
Non-QM loans in Florida provide alternative financing options for borrowers who don’t qualify for traditional mortgages. These loans are ideal for individuals with non-traditional income, recent credit challenges, or unique property needs, offering flexible solutions tailored to the borrower’s profile.
Florida’s vibrant real estate market, particularly in Miami, Tampa, and Orlando, makes Non-QM loans a great fit for investors and homeowners. With strong rental demand and diverse property options, these loans help borrowers unlock unique opportunities.
Disclaimer: Advertised rates and fees depend on borrower qualifications and market fluctuations.
Support for Real Estate Investors:
Flexible Credit Standards:
Diverse Property Financing:
Tailored Loan Terms:
Quick Approvals:
At Simply Approved Mortgages, we operate with a 1.5% fee, significantly below the industry standard. This ensures more savings for borrowers without compromising service quality.
Disclaimer: Simply Approved Mortgages complies with all state and federal licensing requirements that we are licensed in.
Non-QM loans are ideal for:
Self-Employed Borrowers:
Real Estate Investors:
Credit-Challenged Borrowers:
High-Net-Worth Individuals:
Borrowers with Unique Properties:
Flexibility for Unique Borrowers:
Quick Approvals:
Expanded Loan Limits:
No Prepayment Penalties:
Customizable Payment Options:
| Feature | Non-QM Loans | Qualified Mortgages (QM) |
|---|---|---|
| Income Verification | Accepts alternative documentation | Requires W-2s, tax returns |
| Credit Flexibility | Tolerates recent credit events | Requires a clean credit history |
| DTI Ratio Limits | No strict limits | Typically capped at 43% |
| Property Types | Non-traditional and high-value properties | Standard property types only |
| Borrower Profiles | Self-employed, investors, or credit-challenged | Wage earners with stable income |
Credit Score:
Income Verification:
Down Payment:
Loan Amounts:
Property Types:
Gather Documentation:
Get Pre-Approved:
Your Mortgage Journey Starts Here:
Close Your Loan:
At Simply Approved Mortgages, we offer a wide range of mortgage products tailored to meet your needs:
👉 Explore these options today and find the perfect mortgage solution for your needs!
With our industry-leading 1.5% fee, compared to the standard 2.75%, we save you thousands while offering competitive rates tailored to your needs. Learn More.
Our team of seasoned professionals is dedicated to simplifying the mortgage process, providing personalized solutions, and ensuring you feel confident every step of the way.
We prioritize honesty and clarity. From disclosing every detail upfront to ensuring no hidden surprises, we build trust through our commitment to your financial success.
Yes, vacation properties are eligible for Non-QM loans in Florida.
Yes, self-employed borrowers can use alternative income documentation, such as bank statements or profit-and-loss statements, to qualify.
Yes, Non-QM loans are ideal for real estate investors, particularly those using rental income or DSCR-based qualification.
Absolutely! Non-QM loans are ideal for financing rental and investment properties in Florida.
Get a free credit score check to understand where you are and how to move forward.
Small changes in your credit score can lead to significant savings on your mortgage.
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Remember that a good credit score can lower your interest rate on your mortgage.
In today’s fluctuating economy, Canadian homeowners are increasingly looking at refinancing their mortgages
In today’s fluctuating economy, Canadian homeowners are increasingly looking at refinancing their mortgages
In today’s fluctuating economy, Canadian homeowners are increasingly looking at refinancing their mortgages
Reduce your monthly payment or loan term while unlocking the full potential of your home’s equity!
Unlocking the American Dream, One Home at a Time
NMLS# 2620881 | NMLS Consumer Access Record