For Self-Employed, Investors and Non-Traditional Borrowers
Apply for an NON-QM Loan:
Get Pre-Approved with The Michelle Jacinto Team
Non-QM loans are built for borrowers who don’t fit the conventional mold. Whether you’re self-employed, an investor, have variable income or a non-traditional credit history, our team reviews your full financial picture.
Bank Statement, ITIN and more
- DSCR loans for real estate investors
Range of down payment options depending on program
Pre-approval letter usually issued within one business day
- No fees to apply. No commitment to get started.
- Award-winning lender. People who actually pick up the phone.
Primary residences, second homes and investment properties.
See if you may qualify
Someone from our team will follow up within one business day.
Do I qualify?
Non-QM loan guidelines at a glance
Our loan officers review your full picture and can often find options that a conventional lender won’t offer.
Core Loan Type
Which Non-QM program fits your situation?
Your loan type depends on how your income is structured and what you are purchasing. These examples represent only a small sample of the many options we offer. Reach out to our team today to find the solution that best fits your financial situation.
| Borrower type | Program | How income is calculated | Property types |
|---|---|---|---|
| Self-employed | Bank statement loan | 12–24 months of deposits | Primary, 2nd, investment |
| Real estate investor | Investor cash flow (DSCR) | Property rental income | Investment only |
| ITIN borrower | ITIN loan | Varies by program | Primary residence |
Not sure which Non-QM program fits?
Our team is well-versed in Non-QM products and will help you find the right fit.
Non-QM loans may come with higher interest rates, fees and stricter repayment terms. It is important to carefully consider your options and work with a reputable lender who will guide you through the advantages and disadvantages.
Have questions about Non-QM costs? Talk to a member of our team. →
Application process
How to apply for an Non-QM loan
Most borrowers complete pre-approval in a single day. Here is exactly what happens at each step.
1. Fill out the short form above
Name, email, phone and whether you are buying or refinancing. No credit pull required*. No commitment to proceed.
Takes 60 Seconds. Go Back To Form ↑
2. How to apply for a Non-QM loan
Our team will discuss your financing needs and start the process.
Within 1 Business Day
3. Collect required documents
Gather documentation such as proof of income, bank statements or alternative documentation depending on your loan type.
Your officer tells you exactly what to gather
4. Submit your application
Fill out the necessary forms securely from your desktop or mobile phone using the DML app.
Apply from desktop or mobile
5. If qualified, receive your pre-approval letter
Your pre-approval letter shows sellers you are a serious buyer. Most DML pre-approvals are issued the same day we receive your documents.
Usually Same Day
6. Find your home and make an offer
With pre-approval in hand, begin searching for a property that suits your needs and budget. Work with a real estate agent to facilitate the process.
We Stay With You
7. Close your loan
We will issue a loan commitment letter. Proceed to close the loan and take ownership of your new home.
One loan officer, start to finish
*Submitting this initial contact form does not require a credit pull. Credit authorization and additional documentation may be required before a preapproval can be issued.
Go deeper
More on Non-QM loans from DML
Articles from our team that explain how Non-QM loans work, what you need to qualify, and how to make the most of the programs available to you.
The people behind your loan
Your loan officer is a real person, not a chatbot
Michelle Jacinto has spent over 20 years helping clients find the right loan for their situation. She knows your state’s programs, she picks up the phone and she stays with you from first conversation to closing day. Nationally recognized for her work, and locally focused on yours.
20+
Years of experience
4.8★
Google rating
8 yrs
Scotsman Guide Top Originator
7 yrs
NAMMBA Top 100
Client results
Real people. Real results.
Experience why Michelle has been recognized by Scotsman Guide, National Mortgage News, NAMMBA and Mortgage Executive Magazine; year after year.
Hillary Cochin
1 month ago
Michelle is dedicated to provide exceptional service to her clients and business partners. She and her team are quick, efficient, and highly detailed. She is extremely knowledgeable about a wide array of mortgage products and ensures every client is taken great care of. Highly recommend!
Angele Johnson
1 month ago
Alyssa & Rebekah are truly amazing . From start to finish they made our home buying experience super easy & most importantly fast . We were able to close on our home within 30 days. Would recommend to anyone in search of their forever home 🫶🏻
Devin Doby
2 months ago
Working with direct mortgage Was fun to say the least. They not only do their jobs well but they comfort you and guide you every step of the way I want to personally shout out Anthony as he is a gold mind… He not only did his job incredibly well he made this entire process something to remember! I encourage anyone who is looking for aid at any level in home buying to reach out you won’t be disappointed!
Ladonna Marie
2 months ago
With this being my first time using a broker I was very nervous and wasn’t sure what to expect. Started my process during one of the busiest times of the year (the holiday weekend, school year ending, and summer vacation season in full effect) but Direct Mortgage Loan got the job done. Vibrant energy, solution oriented, and easy people to do business with. Despite how stressful RE transactions can be, Rebekah stood on business and got the job done. Love how she kept me in the loop and educated me along the way. From start to finish I had an excellent experience working with this team. Michelle, you are truly blessed to have such stellar team. Client contact 🌟🌟🌟🌟🌟 Michelle, Anthony, Jamie, and Rebekah!!! 🌟🌟🌟🌟🌟 Thank you and your team for helping me.
Kelly Campbell
3 months ago
Michelle and Rebekah were amazing throughout the entire process. They were knowledgeable, kind, supportive and responsive from start to finish. I would highly recommend working with them!!!
Susan Sorrentino
3 months ago
Anthony has to be one of my favorite people EVER, and Jamie didn’t stop working to help me however she could! Rebekah made miracle happen at top speed! So grateful to all of them!
Roy F.
4 months ago
I enjoyed working with Direct Mortgage Loans. My loan processor Rebekah Graham was very professional and explained the process every step of the way. I was able to get all of my questions answered and the process was very timely. I appreciate the assistance from your company! I will also recommend your company to my colleagues.
Chris
6 months ago
Alyssa Vargas, Sherry Hausman, and Michelle Jacinto did a fantastic job with my loan. First and foremost, the communication was excellent!! Questions were answered immediately and I was aware of what was going on at every step. The entire process was smooth and efficient. Well done.
Myoshe Pawlicke
6 months ago
The team was knowledgeable, responsive, and always took the time to explain everything clearly, making sure we felt confident every step of the way. They stayed on top of deadlines, communicated consistently, and truly had our best interests in mind. We couldn’t be happier with our experience!
A Washington - Staley
7 months ago
Direct Mortgage was great to work with! My loan team was very thorough. They answered ALL my questions and made everything super easy from beginning to end. They were always present and available throughout the entire process. Couldn’t have asked for a better loan experience.
Nalo Williams
8 months ago
I’m am so impressed with Direct Mortgage. Jamie has walked me through the entire process and took the time to calm my concerns. I really feel like she was looking out for what’s best for me and my personal situation. I could not have move forward, in confidence, with the purchase of this home without her. Thank you Direct Mortgage, you were God sent!!
Ricky Seifert
8 months ago
Awesome experience. Michelle’s and David’s team were easy going and always helpful. They were very knowledgeable and helpful with my VA home loan. Will continue to recommended!
Shawana Thomas
8 months ago
Wonderful experience! Rebekah always kept me informed and really looked out for me through this process! Between Kirk &company real estate and Michelle Jacinto's team, this process was smooth and not stressful! I would truly recommend!
Carolyn Dickinson
9 months ago
Tammy Sanders of Direct Mortgage Loans was exemplary in 'personal' service, professionalism, expediency, and genuine kindness. She made me feel as tho I were her ONLY customer, with her qui k callbacks, availability, and expertise in navigating my entire home purchase experience. She advised and detailed each aspect of this experience. She is a Treasure that I am thankful to have worked with
Garrett Finkelstein
9 months ago
Michelle and her team are the BEST! Took care of me and my family on our home loan! couldn't have been more thankful for their service!
Anise London
11 months ago
The switch back with michelle was the best thing I could’ve done when buying my first house. It was easy stress free and supportive. Michelle and her team made this a joyous experience instead of one of constant stress and anxiety. I couldn’t have asked for a better lender! Thank you so much for all of your assistance.
E J
12 months ago
had an excellent experience working with Michelle Jacinto on my mortgage approval From beginning, she made the entire process smooth, clear, and stress-free. Michelle was always available to answer my questions, explained everything in detail, and kept me updated every step of the way.
What stood out most was her professionalism, patience, and genuine care for making sure I got the best loan option for my situation. The approval moved quickly, and I always felt confident that I was in good hands.
I would highly recommend Michelle Jacinto at direct mortgage to anyone looking to buy or refinance a home.
What stood out most was her professionalism, patience, and genuine care for making sure I got the best loan option for my situation. The approval moved quickly, and I always felt confident that I was in good hands.
I would highly recommend Michelle Jacinto at direct mortgage to anyone looking to buy or refinance a home.
Maria paredes
1 year ago
Michelle Jacinto and her team did a fabulous job helping my buyer get pre-approved and close on their first home! She was professional, responsive, and truly went above and beyond to make the process smooth and stress-free. Highly recommend her to anyone looking for a knowledgeable and caring lender!
Pete Doukas
1 year ago
I can’t say enough great things about my experience with Direct Mortgage Loans! From start to finish, Michelle and her team were absolutely incredible. They were responsive, knowledgeable, and genuinely cared about making the process as smooth as possible. Every question I had was answered quickly and clearly, and I always felt like I was in great hands.
A huge thank you to Michelle and her amazing team, your help and support made all the difference. I’m truly grateful and so glad to be part of the DML family!
A huge thank you to Michelle and her amazing team, your help and support made all the difference. I’m truly grateful and so glad to be part of the DML family!
Gina Michalek
1 year ago
Michelle was AMAZING. We had the absolute best experience with not only her, but Dave Jacinto our realtor. They were so accommodating, honest, helpful and she really is a master at her trade. It was such an easy process and we felt so at ease throughout the entire experience. Everyone on her staff was incredible too. Thank you again! We will refer everyone we know to you!
Robert Santana
1 year ago
Great experience with Direct Mortgage and Michelle Jacinto. They have a great team that helped me through the process of buying my home.
Brandon Williams
1 year ago
Michelle and her team were superb! We had a very difficult transaction with a lot of moving parts and the Michelle Jacinto team worked diligently to get myself and my family in our new home. I’m BIG on communication and they had no problem keeping me updated throughout the process as well as making themselves available for any questions or concerns. Highly recommend!!
Trevor Norton
2 years ago
Rebekah did a phenomenal job throughout my mortgage process. She was genuinely attentive and made me feel like I was her only client. She took the time to explain everything clearly and never made me feel uncomfortable or uninformed. I highly recommend her and her team!
Kathy Boswell
2 years ago
My Clients and I had the opportunity to work with Michelle Jacinto of Direct Mortgage and her Team Member Tammy Sanders. The process went very smooth.The file was ready to close about a week before the scheduled date of closing. My clients were very happy in the end, thanks to the excellent job The Team did.
Michelle Rivas-Barnard
2 years ago
Tammy, Sherry, and Michelle were all wonderful through the entire process!
rachel brown
2 years ago
Working with Michelle Jacinto and her team has been an absolute pleasure. From our first meeting she was welcoming, knowledgeable, patient, and kind. Michelle held my hand through every step of the home buying process, making what could have been a stressful experience feel seamless and manageable. Her expertise and dedication truly set her apart. I highly recommend Michelle to anyone seeking a mortgage broker who genuinely cares about her clients and makes the journey to homeownership a positive one.
Tan Than
2 years ago
Natalie Laverty
2 years ago
Michelle and her team could not have made our first home purchase any more seamless. I don’t understand any “financial” jargon and she made things so clear for my husband and I. She was so patient with us and her communication was amazing! I will use her again if we choose to move and will 1000% be recommending her to all my friends out in NWI! Thanks Michelle 🙂
O'Bryan Winfield
2 years ago
This team goes above and beyond with making your experience great. They are a hardworking group that is efficient and effective. They also have great communication skills. I highly recommend. I appreciate everything they did for me.
Rahkal Shelton
2 years ago
I am so grateful for Michelle Jacinto and her team making my loan process and new home 🏡 buying appear seamless. I was always kept in the loop as to what was going on. My loan process began in early July. By the end of September I closed on my new home. I am a 2nd time homebuyer. I didn't experience half the headaches and stress with Michelle and Direct Mortgage that I did with my 1st purchase. They truly exceeded my expectations.
OctoberMoon
2 years ago
I’m a first time homebuyer and they held my hand the entire time.
marco perez
2 years ago
She was very helpful and was able to get my house closed before the new year came around I would recommend to any one who is looking to buy a house
Mark Nesbit
2 years ago
I just want to thank Michelle and her team for all their help. They help make my dream come true and I haven’t been this happy in along time. Thank you so much.
Dorothea Hill
2 years ago
Great Team, they over and beyond
Hector Fabian Magallanes
2 years ago
I had the pleasure of working with this team and there are amazing! I would highly recommend!
Anthony Gutierrez
2 years ago
As a realtor I have worked with a lot of different lenders. And who your lender is, is just as important as the offer you write. And in my humble opinion The Michelle Jacinto Team at Direct Mortgage Loans is the best lender in the business hands down. Their professionalism, efficiency and communication is second to none. They keep everyone involved up to speed with the process, and more times than not we close earlier than the contractual date on the purchase agreement. So if you want to go home shopping with the utmost confidence then give The Michelle Jacinto Team at Direct Mortgage Loans a call today!
Brad Ericks
2 years ago
Michelle and her team got it done quickly, and they communicated very well throughout the entire process. Would highly recommend them!
Karen Carradine
2 years ago
Rebekah Graham and the whole Michelle Jacinto Team were amazing to work with. Both my husband and I recieved personalized service and were kept informed of all the necessary steps that made the process easy and smooth in the required timeframe. This all hands on deck approach allowed us to be able to complete the process and close on our next chapter home within the time expected and the interest rate we wanted. We know we will use Direct Morgage Loan again.
Without question DML is a top rate mortgage provider with an extremly competent and compassionate team!
Without question DML is a top rate mortgage provider with an extremly competent and compassionate team!
Randy Wilson
2 years ago
Fast response times, keeps me informed of market changes via email.
Easy, smooth transactions.
Easy, smooth transactions.
Sierra Robertson
2 years ago
I had a great time with working this team. They are very talented and professional I appreciate them so much thanks again for everything.
Michael Naylor
2 years ago
Michelle Jacinto is absolutely the best mortgage professional in Indiana. Her passionate for creating an amazing customer experience is more than noticeable. Michelle and her wonderful team are always responsive and helpful in finding the perfect mortgage solution. If you are looking for someone help you obtain the best mortgage financing, look no further. Call Michelle.
Salvador Garcia
2 years ago
Every step was great, the way I expected.
Darry Franklin
2 years ago
IThanks to direct mortgage I recently purchased a home they were so helpful and professional they made the experience very easy and fast from helping me download any paperwork I needed to answering any questions I had anytime I needed to talk to someone they would get Bach to Me quickly. I It was just a great experience ! WOULD LIKE TO SAY THANK YOU ONCE AGAIN DIRECT MORTGAGE!!!!
Angie Anyich
2 years ago
Great people to deal with. Fast on mortgage loan..
Beth Buckley
2 years ago
This is the most amazing team I have worked with! Day or night if I have questions this team is on it! Customer Service - OUTSTANDING Professionalism - OUTSTANDING Knowledge and Guidance - OUTSTANDING! I have worked many transactions with this team now and I am so thankful to all of them.
TANIA HECK
2 years ago
Charles Stalbaum
2 years ago
Everything went smoothly and staff was available and professional
LaZerrick Gregory
2 years ago
Michelle and her team is great and wonderful people to work with they will make your dreams come true when it comes to owning a home. Thank you guys
Felecia Allen
2 years ago
Everyone was overly engaged in every step with me.I appreciate all the help and information. The atmosphere was kind and patient. I even learned some tip on how transfer through the phone .
David Overman
2 years ago
Fantastic Experience, Amazing Team to walk you through each step of the process. I would highly recommend Direct Mortgage ✌️✌️
Aleksandar Djordjevic
2 years ago
The whole team was very helpfull, as well as up to their task...they were all very kind as well...I like to thank them for helping me purchasing my first new home...
DMG 007
2 years ago
Samantha
2 years ago
The best at Lending. Michelle is very passionate and will deliver to get your home closed successfully!
Steve McHale
2 years ago
Had a wonderful experience doing a cash-out refinancing with Michelle. Everything was taken care of quick and easy with all questions about the process being addressed. Many thanks to the team for all their hard work!
Evelyn Munoz
2 years ago
Michelle and her team are incredibly helpful. Made the process of getting a home stress free! As first time home buyers, our experience couldn’t have been more positive.
Roderick Wesley
2 years ago
les buchanan
2 years ago
I recently closed on a new home with Direct Mortgage Loans and I had a wonderful relationship with the people that assist me in the process. Very caring, and absolutely willing to work with you to get you approved and into your new home. I am very happy that I got the opportunity to work with the staff members at Direct Morgtage. Well done.
J Robinson
2 years ago
Michelle and her team at Direct Mortgage I have worked with for the last 4yrs...Very professional Very knowledgeable and not pushy at all. It starts with leadership. I highly recommend Michelle and her team if you're looking to do a loan or refinance etc....
John Breeden
3 years ago
If I was limited to one word it would be EFFICIENT. But one word could never describe the absolutely effortless experience we had through the whole process. If ANYTHING could possibly go wrong it's already been thought of and there is a plan for it. Cannot say enough good things about the Michelle Jacinto and her team.
Steven Clark
3 years ago
What an awesome group to work with! As Clients they made us feel part of the family. The process of buying a home can be very stressful but with the Direct mortgage group all the steps were explained and made easy. 100% would recommend Direct Mortgage group for buying a home or refinacing.
James
3 years ago
I had no idea or experience in dealing with a realitor or mortgage company but some knowledge from knowing of different situations from the moment I walked into the office I felt a welcoming atmosphere l am a good judge of, character I can tell you everyone there is genuine and they work hard in bringing success to the project that they are working on you are intruly in good hands
Gordana Rzharev
3 years ago
I can't express with words how AMAZING is Michelle Jacinto and her team !!!
I have done multiple transactions with them and you will be amazed how fast and efficient they are ,we closed in 13 DAYS !!!!!
Usually it take 30 -45 days ,but they have AWESOME team that works every single day to make sure the job is done .Everyone is very friendly ,they always explain everything to details ,and for my clients which most of them are Macedonians and some don't speak English they have Anthony Naumovski who is been helping with translating for my clients , then Rebekah Graham and Pamela Kubacki who are the loan processors ,all these people are very dedicated and have stayed working late until almost midnight to get the work done ,they also work on the weekends too just to make our clients happy .
My clients are all very happy and satisfied with their services and I am beyond thankful to them for such a fast work .
Thank you Michelle Jacinto Team!
Keep rocking !!!!!!
I have done multiple transactions with them and you will be amazed how fast and efficient they are ,we closed in 13 DAYS !!!!!
Usually it take 30 -45 days ,but they have AWESOME team that works every single day to make sure the job is done .Everyone is very friendly ,they always explain everything to details ,and for my clients which most of them are Macedonians and some don't speak English they have Anthony Naumovski who is been helping with translating for my clients , then Rebekah Graham and Pamela Kubacki who are the loan processors ,all these people are very dedicated and have stayed working late until almost midnight to get the work done ,they also work on the weekends too just to make our clients happy .
My clients are all very happy and satisfied with their services and I am beyond thankful to them for such a fast work .
Thank you Michelle Jacinto Team!
Keep rocking !!!!!!
Alyssa Hart
3 years ago
Michelle helped me purchase my first home in March 2022, which is now my first investment property. The app that Direct Mortgage offers has absolutely everything there that you need to know about the status of your loan and anything that is needed from you. I received weekly updates from my processor, and if anything changed throughout the process, Michelle always called me to review and make sure I understood. I 100% recommend her team that goes above and beyond.
Douglas Suprenant
3 years ago
We appreciate Michelle and her team on an outstanding job on getting us a loan. We went to several different lender’s and they made it happen. Hats off to her TEAM. Thanks Again
Anthony Lebron
3 years ago
Michelle and her team were a great help! Absolutely made sure all questions were answered and addressed right away. Such a wonderful experience for me and my family. Thanks everyone!
Patricia Sandoval
3 years ago
From start to finish it was so easy and convenient. They helped with everything we needed. We already recommended you and always will
Jennifer Kmitta
3 years ago
Great loan company made the process of applying for a loan so easy and stressful
Michelle Jacinto
3 years ago
t fa
3 years ago
This is by far the most seamless,explicit, timely and hassle-free experience any first time home owner would want to go through at Direct Mortgage Loans. Michelle and her team, Arnie, Mary, Ms. Graham all put together a single video presentation to understand every step of home purchase. It was very fast, and total time to closing was less then 3 months. This team worked tirelessly to ensure I became a home owner even when I thought I could not with the high rates these past few months!...I m happy with my overall experience and will be referring family, friends, colleagues their way.....Strong work guys!!!!
THANK YOU TEAM DML.
THANK YOU TEAM DML.
Hardeep Minhas
3 years ago
Michelle and her team are the best. Easy to work with and get the job done. I have done over 10 transactions with them and I wouldn’t go anywhere else! Thanks for all you guys have done.. don’t hesitate to call her.. she’s very approachable and will help you in any way possible.
Jessica Masciotra
3 years ago
Made the whole process so easy and understanding. Such sweet ladies making it happen quickly before our baby was born!! Recommend 100x over!!
Debbie Exford
3 years ago
As a transaction coordinator at Your Home Sold Guaranteed Realty in St. John, I have worked along with Michelle and her team for 10+ years. It is always a pleasure to Help Serve Families in their Real Estate Needs. Continue to do a GREAT job. Looking forward to working with you and your team on future transactions!!
Kyle Snyder
3 years ago
Great service, highly recommend
Sharon Beckett
3 years ago
Michelle Jacinto and her team members worked relentlessly to make sure our experience was a very pleasant one. Their team made every effort to stay professional, dedicated and thoughtful throughout the entire process. Thanks again.
Kimberly Klein
3 years ago
Good people to work with.
Harold James
3 years ago
Help me look for a home in Delaware
Shirley Lee
3 years ago
Michelle Jacinto, team members work very hard to get you approved for a home we become family with them, my husband and l love our new house and we had a wonderful experience with the whole team.
Kathryn Frakes
3 years ago
Michelle and her team were absolutely flawless throughout the home buying process. We worked with several of her team members, including Sherry and Mary, and were consistently impressed with their professionalism, knowledge, and speediness. Everyone was an absolute delight to work with and made the process much more manageable and enjoyable during a time that was stressful for us. They went above and behind and we are grateful they were with us every step of the way.
Jason Struzik
3 years ago
By far the best and most efficient way to get a morgage!! Being local and never having to step foot in the office made this experience phenomenal! Michelle and her team is by far the friendliest and most of all they always kept us informed. Also they have an app!! Thanks again!!
Ricardo Serrano
4 years ago
Simply the best lender! Always attentive, very knowledgeable and professional! Her team and Michelle herself will do everything in their power to get you a loan. I love her e-newsletters. Very informative. I will always be grateful for her help. For getting us into our first home and for that, I always recommend her services to my friends and colleagues.