Expert Advice

Non-QM Loans
for Florida & Pennsylvania Buyers

Smart Home Financing for Self-Employed, Retired, and Asset-Rich Borrowers

Your income story doesn’t fit inside a box — your loan shouldn’t either.

At Dynamic Funding Solutions, we help Florida and Pennsylvania borrowers who don’t qualify under traditional Fannie Mae or Freddie Mac guidelines secure home financing with Non-QM (Non-Qualified Mortgage) programs. These flexible loans are built for entrepreneurs, retirees, investors, and professionals whose income comes from business deposits, assets, rental earnings, or 1099 work — not just W-2s.

Non-QM loans recognize your real financial strength, offering approval options that look at your bank statements, asset balances, or property income, instead of only your tax returns. Our local, licensed team reviews your entire financial picture and builds a mortgage plan designed around your life — not just your paperwork.

With over 28 years of lending experience, we specialize in Non-QM programs that meet CFPB and HUD compliance while providing real-world solutions for borrowers with unique income patterns.

Why Borrowers Choose Our Non-QM Programs

  • Homeownership Options for Self-Employed, Retired, and 1099 Borrowers.
  • Loan Programs That Accept Bank Statements, Assets, or Investment Income.
  • Trusted Local Experts Licensed in Florida & Pennsylvania
Check Non-QM Loan Eligibility
Speak With a Local Non-QM Loan Expert

Dynamic Funding Solutions

Rate & Term Refinance Loans in Pennsylvania & Florida

Non-QM Loans
for Florida & Pennsylvania Buyers

Smart Home Financing for Self-Employed, Retired, and Asset-Rich Borrowers

Your income story doesn’t fit inside a box — your loan shouldn’t either.

At Dynamic Funding Solutions, we help Florida and Pennsylvania borrowers who don’t qualify under traditional Fannie Mae or Freddie Mac guidelines secure home financing with Non-QM (Non-Qualified Mortgage) programs. These flexible loans are built for entrepreneurs, retirees, investors, and professionals whose income comes from business deposits, assets, rental earnings, or 1099 work — not just W-2s.

Non-QM loans recognize your real financial strength, offering approval options that look at your bank statements, asset balances, or property income, instead of only your tax returns. Our local, licensed team reviews your entire financial picture and builds a mortgage plan designed around your life — not just your paperwork.

With over 28 years of lending experience, we specialize in Non-QM programs that meet CFPB and HUD compliance while providing real-world solutions for borrowers with unique income patterns.

Why Borrowers Choose Our Non-QM Programs

  • Homeownership Options for Self-Employed, Retired, and 1099 Borrowers.
  • Loan Programs That Accept Bank Statements, Assets, or Investment Income.
  • Trusted Local Experts Licensed in Florida & Pennsylvania
Check Non-QM Loan Eligibility
Speak With a Local Non-QM Loan Expert

Dynamic Funding Solutions

Non-QM Loans Loans in Pennsylvania & Florida

Qualify with Alternative Income Documentation      ✦
Perfect for Self-Employed, Retired, or 1099 Borrowers      ✦
Use Bank Statements, Assets, or Investment Income to Qualify      ✦
Flexible Loan Options for Unique Financial Situations      ✦
No Traditional Income Verification or Tax Returns Needed      ✦
Fast Pre-Approvals for Florida & Pennsylvania Borrowers      ✦
Designed for Entrepreneurs, Investors & Asset-Based Borrowers      ✦
Local Loan Experts Who Understand Non-QM Lending Guidelines      ✦
Clear, Transparent Loan Terms—No Guesswork or Hidden Fees      ✦
Backed by 28+ Years of Lending Experience      ✦
Licensed & Trusted Across Florida & Pennsylvania

Non-QM Mortgage Benefits for Homeowners in Florida and Pennsylvania

Smart Home Financing That Recognizes Real-World Income

At Dynamic Funding Solutions, we help self-employed professionals, retirees, and real estate investors in Florida and Pennsylvania qualify for flexible home loans through our Non-QM (Non-Qualified Mortgage) programs.

These loans are built for clients whose financial strength doesn’t fit inside traditional W-2 guidelines — giving you approval options that reflect your true income, assets, and repayment ability.

Our Non-QM programs provide a clear path to homeownership using verified income sources such as bank statements, 1099 earnings, rental income, or liquid assets, instead of tax returns.
With over 28 years of lending experience, our team simplifies the process — with clarity, compliance, and zero guesswork from start to finish.

Non-QM Benefits You Can Count On

Qualify With Alternative Income Verification

Use bank statements, 1099s, or asset documentation to show your real income strength.

 

Perfect for borrowers who write off business expenses or have fluctuating income streams.

Recognize True Financial Stability

Traditional underwriting can underestimate your ability to repay.

 

Non-QM loans focus on your overall financial picture — including savings, investment income, and consistent deposits — not just taxable income.

Ideal for Business Owners, Retirees, and Investors

If your income comes from business profits, asset withdrawals, or property cash flow, we’ll help you structure a Non-QM loan that aligns with your goals and keeps your options open.

Flexible Loan Options for Florida & Pennsylvania Borrowers

We partner with Fannie Mae, FHA, and private portfolio lenders offering Non-QM solutions customized for self-employed, retired, or investor borrowers across both states.

Straightforward, Transparent Process

Our licensed advisors explain every term and document clearly — no hidden fees or confusing language.

 

You’ll understand exactly how your loan works before you sign.

Trusted Local Experts Licensed in FL & PA

Our NMLS-licensed team knows the Florida and Pennsylvania lending landscape.

 

We work directly with regional underwriters to make your approval smooth, predictable, and secure.

Why Choose Our Non-QM Loan Services?

Dynamic Funding Solutions: Flexible Home Financing for Self-Employed, Retired, and Asset-Based Borrowers in Florida & Pennsylvania

We help entrepreneurs, retirees, and investors qualify for home loans using Non-QM (Non-Qualified Mortgage) programs — designed for borrowers who earn income in ways traditional lenders don’t measure.

At Dynamic Funding Solutions, we specialize in Non-QM mortgage programs that look beyond tax returns and W-2s.
Instead, we use bank statements, 1099 income, rental property earnings, or verified assets to build a full financial picture — so your approval reflects your real income and creditworthiness.

Our local Florida and Pennsylvania team works directly with experienced Non-QM underwriters, guiding you through every step — from pre-approval to closing — with clarity, honesty, and zero pressure.

Whether your income comes from investments, variable consulting work, or business distributions, our team makes the process simple, secure, and fully transparent.

You’ve worked hard to build financial freedom — now it’s time for your mortgage to recognize it.

Why Florida & Pennsylvania Homeowners Trust Our Non-QM Loan Experts:

  • Licensed Across Florida and Pennsylvania
    Three decades of experience helping borrowers qualify with verified income beyond W-2s or tax returns — using flexible Non-QM underwriting standards.

  • Fast Pre-Approvals (24–72 Hours)
    Get transparent guidance and quick turnaround times with direct access to Non-QM lenders who specialize in self-employed and investor programs

  • Alternative Income Verification
    Qualify using bank statements, investment income, or assets to show your true repayment ability — no tax returns required.

  • Multilingual Support Available
    We offer assistance in English, Spanish, Ukrainian, and Russian, ensuring every borrower fully understands their options.

  • Partnerships with Top Non-QM and Portfolio Lenders
    Access programs backed by Fannie Mae, FHA, and private portfolio investors, built for borrowers with complex or nontraditional income.

  • Custom Structuring for Self-Employed and Retired Borrowers
    We match your loan to your income flow, asset structure, and financial goals — ensuring your mortgage works for you, not against you.

  • Advisors Trained in Non-QM and Alternative Income Lending
    Our licensed specialists understand asset depletion, income averaging, and liquidity-based underwriting, providing accurate guidance with zero confusion.

Let’s Build a Mortgage Plan Around the Way You Earn

Whether you’re ready to buy a new home, refinance an investment property, or use your assets for flexible home financing, our team will help you find the right Non-QM strategy tailored to your income and long-term goals.

.

Every advisor at Dynamic Funding Solutions is NMLS-licensed and trained in Non-QM and alternative documentation lending standards.

We partner with Fannie Mae, HUD, and CFPB-compliant lenders to deliver safe, transparent, and locally supported mortgage programs for Florida and Pennsylvania homeowners.

Mortgage Calculator


Use our Non-QM Loan Calculator to estimate your monthly housing payment — including principal, interest, property taxes, and insurance — based on real-world income sources, not just W-2 documentation.

This calculator helps borrowers in Florida and Pennsylvania see what’s possible with Non-QM financing — using bank statements, investment income, or verified assets to calculate realistic mortgage options.

It’s an easy way to preview potential loan amounts, compare programs, and make confident decisions before applying.

✅  Compare estimated Non-QM loan payments.
✅  Understand your qualifying range based on alternative income.
✅  See how Non-QM options stack up to traditional mortgages.

Launch Mortgage Calculator

“After three decades in lending, I’ve seen how many capable, responsible borrowers get turned away simply because their income doesn’t fit the form.

 

Non-QM loans give business owners, investors, and retirees the chance to use their real income story to qualify — not just what’s reported on paper.

 

These programs reward consistency, not conformity.”

-Lena Polnet

Your Mortgage Deserves a Team That Gets It Right


At Dynamic Funding Solutions, we help Florida and Pennsylvania homeowners, investors, and retirees qualify for Non-QM financing that reflects their full financial picture — with clear documentation, real-time updates, and zero pressure.

you’re self-employed, recently retired, or earning income from multiple sources, our licensed team helps you compare Non-QM loan programs, review your documentation, and secure a loan structure designed around your goals — today and for the years ahead.

Estimate My Non-QM Loan Payment
Speak With a Local Mortgage Expert

Is a Non-QM Loan Right for You?

5 Signs You Should Consider a Non-QM Mortgage Instead of a Traditional Loan

01

You Have Strong Income That Doesn’t Fit the Traditional Mold

f your income comes from multiple sources — business profits, retirement assets, commissions, or investments — a Non-QM Loan may be the perfect fit.

Traditional W-2 underwriting often overlooks legitimate income streams. A Non-QM program lets you qualify using bank statements, 1099s, or verified assets to show your financial strength.

You’ve worked hard to build financial independence. Your income story deserves to count.

Your loan should recognize your success — not limit it.

02

You’ve Been Told You Don’t Qualify for a Conventional Loan

Many financially capable borrowers are denied by large banks simply because they don’t fit the standard W-2 checklist. Non-QM Loans offer a smarter path.

These programs look at your real cash flow, savings, and repayment ability, giving you the opportunity to qualify for homeownership or refinance — even when your documents fall outside traditional standards.

You’re not an exception — you’re exactly who these programs are built for.

03

You Want Flexibility in How Your Income Is Verified

If your income varies seasonally or you’re self-employed, traditional underwriting can be frustrating. Non-QM loans provide flexibility by allowing income verification through bank statements, investment portfolios, or asset depletion.

We’ll help you structure a plan that reflects your financial rhythm — not a single snapshot on paper.

Consistency, not conformity, defines your loan approval.

04

You Own Investments or Multiple Properties

Real estate investors often have strong portfolios but struggle to qualify through traditional programs. Non-QM options allow income from rentals, short-term investments, or asset distributions to count toward qualification.

You’ll get transparent guidance, compliant underwriting, and local expertise tailored to the Florida and Pennsylvania real estate markets.

Your investments should open doors — not close them.

05

You Want a Smarter Way to Manage Cash Flow

Non-QM loans let you choose structures that fit your financial goals — from interest-only periods to custom amortization schedules — helping you maintain liquidity while growing long-term wealth.

It’s ideal for professionals and retirees who value control and stability over rigid lending formulas.

Financial strength deserves financial flexibility.

Your Path to Homeownership and Financial Freedom Starts Here — With a Non-QM Loan


Dynamic Funding Solutions helps homeowners, real estate investors, and business professionals in Florida and Pennsylvania qualify for home financing using verified income and assets — not just W-2s or tax returns.

With our Non-QM Loan programs, your approval is based on your true financial profile — including bank statements, investment income, or verified assets — giving you access to flexible loan terms and competitive rates designed for your actual earning strength.

This program is ideal for:

  • Self-employed business owners and entrepreneurs whose income varies month to month

  • Real estate investors and high-net-worth borrowers using rental income, dividends, or assets to qualify

  • Retirees and 1099 professionals who need a solution that recognizes their complete financial picture

We’ll help you compare every option — from Fannie Mae, FHA, and portfolio-based Non-QM programs — to find a structure that fits your income, your timeline, and your goals.

Check Your Buying Power
Schedule a Call

NO PRESSURE.

 

NO GUESSWORK.

 

JUST CLEAR, FLEXIBLE QUALIFICATION.

 

  • No W-2s or pay stubs required

  • Use real cash flow or assets to qualify

  • Full CFPB and HUD-compliant loan programs

Launch Mortgage Calculator

Mortgage Calculator


Use our Non-QM Loan Calculator to see how your verified income and assets could translate into a new home or refinance opportunity.

Estimate your monthly mortgage payment — including principal, interest, taxes, and insurance — based on your actual earning structure.

This tool helps you understand what you can comfortably afford and plan confidently for long-term stability — without losing financial flexibility.

This program helps you:

  • Convert your income and assets into real borrowing power

  • Secure financing that reflects your full earning ability

  • Keep liquidity and control over your long-term financial goals

With over 30 years of mortgage experience, our team helps you understand your best options with absolute clarity and no pressure. We’ll walk you through compliant Non-QM programs — from Fannie Mae-backed hybrids to private portfolio loans — and build a plan that fits your lifestyle, not just your paperwork.

You’ve worked for flexibility. Now your mortgage should return that same flexibility to you.

Determine Eligibility
Click for an Appointment

You’ve Earned This Benefit Let’s Put It to Work

Use Your Real Financial Strength to Qualify — Not Just Your Paperwork


You’ve built success on your own terms — your income might not fit inside a W-2, but that doesn’t mean you shouldn’t qualify for a smart, compliant mortgage.

Our Non-QM Loan programs are built for real borrowers with real financial depth — self-employed professionals, investors, and retirees who manage complex income streams, assets, or variable deposits.

Lenders & Platforms We Use

At Dynamic Funding Solutions, we rely on industry-leading, trusted, VA-approved institutions and technology platforms:

  • VA.gov

  • Ginnie Mae®

  • Calyx® LOS

  • Equifax®

  • CoreLogic®

  • DocuSign®

  • Notarize®

  • First American Title™

  • MGIC™ VA Tools

  • Flood Zone Reports by CoreLogic®

Dynamic Funding Solutions

Loans for Pennsylvania, & Florida

Mortgage Calculator
Estimate Your Monthly Payment Before You Shop

Use our free mortgage calculator to see your estimated monthly mortgage payment — including principal, interest, property taxes, homeowner’s insurance, and any mortgage insurance (PMI).

Launch Mortgage Calculator

Our Non-QM Loan Process

5 Steps to Secure Flexible Home Financing Built Around Real Income — Designed for Florida & Pennsylvania Borrowers

Step 1: Personalized Financial Review & Income Analysis

We start with a clear, pressure-free conversation about your financial picture and goals. Our licensed team reviews your verified income sources — such as bank deposits, investment earnings, rental income, or retirement distributions — to identify your true borrowing strength. You’ll see how your real income translates into purchasing power without relying on traditional W-2s or strict tax-return calculations.

Step 2: Tailored Loan Options & Qualification Strategy

Once we understand your income and assets, we build a transparent comparison of Non-QM loan structures. You’ll see how different programs — from portfolio-based options to Fannie Mae–approved hybrids — fit your financial plan. We clarify every rate, term, and repayment option in plain language so you can choose what best supports your long-term strategy.

Step 3: Documentation & Underwriting Support

Non-QM loans require unique verification standards, and we handle the details for you. Our advisors coordinate directly with underwriters to validate income sources, analyze deposits, and confirm asset documentation. You’ll get clear updates, plain-language explanations, and complete confidence that your file meets HUD, CFPB, and NMLS compliance guidelines.

Step 4: Rate Lock & Final Loan Approval

Once your documentation is approved, we’ll secure your interest rate and finalize your loan through our trusted Florida and Pennsylvania lending network. You’ll receive a full breakdown of your rate, amortization term, and payment expectations — with no hidden fees or last-minute surprises.

Step 5: Closing Day — and Ongoing Partnership

When you close, you’re not just signing a loan — you’re partnering with a team that helps protect your financial flexibility for years to come. We remain available post-closing for payment planning, future refinance strategies, and ongoing support, so your mortgage continues to work with your income, not against it.

Your Mortgage Flexibility Plan Deserves a Team That Gets It Right


AAt Dynamic Funding Solutions, we help homeowners, entrepreneurs, and investors in Florida and Pennsylvania qualify for Non-QM loans using real financial documentation — not just W-2s or tax returns.

Traditional lenders often overlook borrowers with strong income that doesn’t fit the “standard” mold. Our Non-QM Loan Programs are designed for real earners — people who build income through business ownership, investments, 1099 work, or asset management — and want a mortgage that reflects their full financial capability.

If your tax returns don’t tell the full story, our team helps you verify income using 12 to 24 months of statements, asset documentation, or other financial proof. We review every detail in plain language, show you exactly how qualification works, and design a strategy that fits your real-world cash flow — without guesswork or stress.

With over 30 years of mortgage experience, we’ve built a transparent process that gives borrowers complete control and confidence — from first consultation to final closing.

NO CONFUSION.

NO PRESSURE.

JUST STRAIGHT ANSWERS.

  • Clear comparison between conventional and Non-QM programs
  • Transparent documentation guidance — every step explained
  • Dedicated Florida and Pennsylvania specialists who know local lending standards
Check Your Bank Statement Loan Options
Speak With a Loan Expert

You’ve built a unique income story — now it’s time for a loan that understands it.

Non-QM Borrower Protection & Global Client Security Commitment


At Dynamic Funding Solutions, we help homeowners, business owners, and investors in Florida and Pennsylvania secure Non-QM loans safely — with transparent underwriting, compliant lending standards, and advanced data protection.

Our process is rooted in clarity, compliance, and care. Every borrower receives encrypted document handling, plain-language disclosures, and licensed professional support from first review to final closing.

These programs are designed for real people — strong earners who don’t fit the W-2 model. We protect your financial information and guide you through every detail with confidence, so you can qualify based on your true financial strength.
No confusion.
No shortcuts.
Just honest, compliant lending built for flexibility and control.

Non-QM Loan Expertise You Can Trust

  • Tailored Solutions for Unique Borrowers
    With over 30 years of lending experience, our team helps self-employed clients, retirees, and investors qualify for Non-QM financing using income, assets, or rental cash flow — not just tax returns.

  • Straightforward Loan Comparisons — No Guesswork
    We provide clear side-by-side comparisons between Non-QM and conventional mortgage programs, explaining how each structure impacts your rate, payment term, and future refinancing options.

  • Flexible Qualification for Complex Income
    From asset-based approvals to debt-service coverage loans (DSCR), we help you match your financial profile with the right Non-QM structure — backed by licensed guidance and NMLS compliance.

  • Local Experience for Florida & Pennsylvania Markets
    We partner with local appraisers, title professionals, and lenders who understand regional property trends and Non-QM underwriting rules for each state.

  • Full Transparency Through Secure Technology
    All documentation is handled through encrypted portals with 24/7 borrower access and real-time updates — ensuring full CFPB and HUD compliance for security and privacy.

  • Client Results That Build Confidence
    We’ve helped hundreds of borrowers across Florida and Pennsylvania purchase and refinance homes through Non-QM programs — turning diverse income sources into long-term financial stability.

  • Client Success Built on Trust
    Our borrowers include contractors, real estate investors, and small business owners who turned strong bank deposits into successful homeownership — without traditional barriers.

Credentials & Lending Compliance You Can Rely On

Ready to Qualify for a Mortgage with Flexible Income?


Call Dynamic Funding Solutions today for a free consultation on Non-QM Loan programs — designed for self-employed professionals, retirees, and investors across Florida and Pennsylvania.

Our licensed mortgage experts specialize in helping clients qualify based on verified income sources — including business deposits, investment distributions, retirement income, and asset documentation. No tax returns. No cookie-cutter rules. Just transparent pre-approvals, side-by-side loan comparisons, and expert guidance from a team that understands how real income works.

f a bank has ever told you “you don’t fit the box,” a Non-QM Loan may open the door. We analyze your verified financial strength, structure your file with compliant documentation, and guide you from consultation to closing with full clarity. Our digital process includes real-time updates, secure file handling, and personal support — every step explained, every question answered.

Your income built your success. Now it can help you build your home.

Apply Now
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Non-QM Loan FAQs

Answers to the Most Common Non-QM Loan Questions for PA & FL Buyers

Still have Questions?

Let us Know and we will get back to you ASAP

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Non-QM Loan Essentials

What You’ll See During Your Bank Statement Loan Process, What It Means, and How We Help You Understand It
What You’ll See During the Non-QM Loan Process What It Is Why It Matters to You How Dynamic Funding Solutions Helps
What You’ll See During the Non-QM Loan Process Alternative Income Review
What It Is A review of your financial strength using nontraditional documentation such as bank statements, 1099 income, rental cash flow, asset statements, or retirement distributions.
Why It Matters to You Gives you a path to qualify using verified real income — not just W-2s or tax returns — while keeping your approval process transparent and fair.
How Dynamic Funding Solutions Helps We identify the best Non-QM structure for your income type and match you with compliant programs from Fannie Mae–aligned and CFPB-regulated lenders.
What You’ll See During the Non-QM Loan Process Income & Asset Calculation
What It Is A federally required CFPB disclosure detailing your projected rate, term, and closing costs for full transparency.
Why It Matters to You Helps you understand your full loan structure — including interest-only or hybrid payment options — before signing.
How Dynamic Funding Solutions Helps We walk through your LE line-by-line, ensuring that every fee and rate matches your expectations with no last-minute surprises.
What You’ll See During the Non-QM Loan Process Loan Estimate (LE)
What It Is A federally required CFPB disclosure detailing your projected rate, term, and closing costs for full transparency.
Why It Matters to You Helps you understand your full loan structure — including interest-only or hybrid payment options — before signing.
How Dynamic Funding Solutions Helps We walk through your LE line-by-line, ensuring that every fee and rate matches your expectations with no last-minute surprises.
What You’ll See During the Non-QM Loan Process Underwriting & Compliance Review
What It Is The stage where income, credit, and assets are fully verified to ensure your loan meets all CFPB, HUD, and Fair Lending regulations.
Why It Matters to You Confirms your file meets compliance standards while protecting you with full disclosure and documentation integrity.
How Dynamic Funding Solutions Helps Our licensed NMLS loan team manages underwriting directly with approved Non-QM lenders to maintain accuracy, security, and full CFPB compliance.
What You’ll See During the Non-QM Loan Process Rate Lock & Loan Approval
What It Is Once underwriting is complete, your rate and terms are locked and approved by your lender — typically within days of final verification.
Why It Matters to You Gives you peace of mind knowing your rate and payment schedule are protected while you prepare for closing.
How Dynamic Funding Solutions Helps We coordinate rate locks and term confirmations with your lender, verifying all disclosures and ensuring a smooth approval timeline.
What You’ll See During the Non-QM Loan Process Closing & Funding Appointment
What It Is The official signing day — your Non-QM mortgage is finalized, and funds are disbursed or your prior loan is paid off.
Why It Matters to You We handle closing coordination with licensed title professionals in Florida and Pennsylvania, ensuring secure transfers and ongoing post-closing support.
How Dynamic Funding Solutions Helps We handle closing coordination with licensed title professionals in Florida and Pennsylvania, ensuring secure transfers and ongoing post-closing support.
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