Service Details

Service Details

Service Details

Non-QM

Non-QM

A solution for borrowers who don’t meet traditional lending criteria. Ideal for self-employed individuals, investors, or those with unique income situations. Flexible approval options based on alternative documentation.

A solution for borrowers who don’t meet traditional lending criteria. Ideal for self-employed individuals, investors, or those with unique income situations. Flexible approval options based on alternative documentation.

Non‑Qualified Mortgage loans serve clients who don’t fit traditional lending guidelines—self‑employed buyers, real estate investors, or those with unique income situations. Approval can be based on bank statements, asset depletion, or rental income instead of standard W‑2s.


Benefits of a Non‑QM Loan:

  • Flexible Documentation – Bank statements, 1099s, asset‑based options.

  • Credit‑Event Flexibility – More tolerant of recent life events.

  • Investor‑Friendly – Solutions for DSCR and rental income scenarios.

  • Customized Structures – Tailored terms for complex profiles.


Is It Right for You?

Great if your income is non‑traditional or you need a more flexible approach. I’ll structure a solution that fits how you actually earn.

What You'll Need To Apply

Once you have finalized your application below, please email the following documents to sgross@westcapitallending.com:

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Mortgage Statement

All Owned Properties

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Homeowner's Insurance Policy

All Owned Properties

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Homeowner's Association (HOA) Statement

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W-2 Forms

Past 2 Years

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Paystubs

Most Recent 30 Days

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Drivers License or Passport

What You'll Need To Apply

What You'll Need To Apply

Once you have finalized your application below , please email the following documents to sgross@westcapitallending.com:

Once you have finalized your application below, please email the following documents to sgross@westcapitallending.com:

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Mortgage Statement

Mortgage Statement

All Owned Properties

All Owned Properties

Icon

Homeowner's Insurance Policy

Homeowner's Insurance Policy

All Owned Properties

All Owned Properties

Icon

Homeowner's Association (HOA) Statement

Homeowner's Association (HOA) Statement

Icon

W-2 Forms

W-2 Forms

Past 2 Years

Past 2 Years

Icon

Paystubs

Paystubs

Most Recent 30 Days

Most Recent 30 Days

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Drivers License or Passport

Drivers License or Passport

Common Questions

Your Questions Answered

Clarity at Every Step of Your Home Journey

What states are you licensed in?

I’m licensed to serve clients in CA, TN, UT, MI, VA, MD, OH, AL, AZ, and FL. Whether you’re purchasing a home, refinancing, or exploring investment opportunities, I can guide you through the process from anywhere in these states.

How do I know I’m getting the best rate?

Can you help if I’m a first-time homebuyer?

Do you work with luxury or investment properties?

Common Questions

Your Questions Answered

Clarity at Every Step of Your Home Journey

What states are you licensed in?

I’m licensed to serve clients in CA, TN, UT, MI, VA, MD, OH, AL, AZ, and FL. Whether you’re purchasing a home, refinancing, or exploring investment opportunities, I can guide you through the process from anywhere in these states.

How do I know I’m getting the best rate?

Can you help if I’m a first-time homebuyer?

Do you work with luxury or investment properties?

Common Questions

Your Questions Answered

Clarity at Every Step of Your Home Journey

What states are you licensed in?

I’m licensed to serve clients in CA, TN, UT, MI, VA, MD, OH, AL, AZ, and FL. Whether you’re purchasing a home, refinancing, or exploring investment opportunities, I can guide you through the process from anywhere in these states.

How do I know I’m getting the best rate?

Can you help if I’m a first-time homebuyer?

Do you work with luxury or investment properties?

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Sarah Kim, Miss Grand Hawaii, is a licensed mortgage professional serving clients in CA, TN, UT, MI, VA, MD, OH, AL, AZ, and FL. Specializing in first-time buyers, refinancing, and investment property loans — with a commitment to exceptional service and competitive rates.

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BRAINS, BEAUTY & BETTER RATES

©SarahKimFinance. All rights reserved.

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Sarah Kim, Miss Grand Hawaii, is a licensed mortgage professional serving clients in CA, TN, UT, MI, VA, MD, OH, AL, AZ, and FL. Specializing in first-time buyers, refinancing, and investment property loans — with a commitment to exceptional service and competitive rates.

Social Icon
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BRAINS, BEAUTY & BETTER RATES

©SarahKimFinance. All rights reserved.

Logo

Sarah Kim, Miss Grand Hawaii, is a licensed mortgage professional serving clients in CA, TN, UT, MI, VA, MD, OH, AL, AZ, and FL. Specializing in first-time buyers, refinancing, and investment property loans — with a commitment to exceptional service and competitive rates.

Social Icon
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BRAINS, BEAUTY & BETTER RATES

©SarahKimFinance. All rights reserved.