The mortgage landscape is changing fast — and Non-Qualified Mortgage (Non-QM) lending is leading the charge. As traditional lending tightens and borrower profiles diversify, Non-QM programs are bridging the gap between opportunity and flexibility. For brokers and lenders, understanding how Non-QM is reshaping the industry can be the key to future growth — and partnering with the right lender makes all the difference.
The Rise of Non-QM: Meeting Today’s Borrowers Where They Are
In today’s economy, millions of qualified borrowers don’t fit neatly into traditional agency guidelines. Self-employed professionals, real estate investors, and high-net-worth individuals often have strong cash flow — but their income simply doesn’t translate on paper the way Fannie Mae or Freddie Mac require.
That’s where Non-QM comes in. With options like Bank Statement, DSCR (Debt Service Coverage Ratio), 1099, P&L, Asset Utilization, VOE, and Closed-End 2nds, Non-QM lending empowers originators to serve an entirely new class of borrowers — those who are creditworthy but underserved.
Why Non-QM Is Shaping the Industry’s Future
Non-QM is no longer a niche product — it’s the growth engine of the mortgage market. According to recent industry data, Non-QM volume has risen over 30% year-over-year, even as traditional agency originations slowed. This surge reflects the adaptability of the Non-QM model and the growing need for flexible lending solutions.
- Brokers who specialize in Non-QM are not just surviving — they’re thriving. These programs allow for:
Greater borrower reach and deal flow - Competitive yield spreads for investors
- Faster turn times with streamlined documentation
- Resilient business models in volatile rate environments
Why Brokers Choose Mega Capital Funding
Since 1998, Mega Capital Funding, Inc. has been a trusted name in the mortgage industry — known for its reliability, pricing leadership, and nationwide footprint across 40+ states.
As one of the Top 5 Wholesale Lenders in the Country, Mega Capital continues to lead with its innovative approach to Non-QM lending. From DSCR to Bank Statement and Closed-End 2nds, Mega delivers the programs brokers rely on to close more loans, faster.
What sets Mega apart:
✅ Industry-Leading Pricing — Consistently ranked among top pricing engines nationwide.
✅ Fast Turn Times — Purchase reviews in as little as 3–5 days for Non-Delegated partners.
✅ Dedicated Support — A seasoned team that’s been serving brokers and correspondents since 1998.
✅ Technology-Driven Platform — The MGenius portal streamlines submissions, conditions, and communication for a truly frictionless experience.
In a market where flexibility and trust define success, brokers and correspondents need more than just loan products — they need a partner who understands the business. Mega Capital’s Non-QM suite empowers originators to grow pipelines, expand borrower reach, and stay competitive in every market cycle.
Whether you’re funding DSCR loans for investors or bank-statement programs for self-employed clients, Mega Capital Funding is here to help you close more deals, faster.
Ready to Grow with Mega Capital?
Become part of the Non-QM movement that’s shaping the future of mortgage lending.
Visit www.mcfunding.com or contact your Mega Capital Account Executive today to get approved and start funding with confidence.
Mega Capital Funding, Inc.
Trusted Partner Since 1998 | Serving Brokers in 40+ States
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Non-QM Loan Programs:
As low as 660 FICO and $3 million max loan amount.
- Bank Statement
- 1-2 Years Full Documentation
- DSCR
- 1099
- P&L
- WVOE
- Asset Utilization
- Closed-End Second
