Non-QM Loans in Sacramento, CA
Find lenders offering non-qm loans in the Sacramento, including Roseville, Elk Grove, Folsom, and surrounding areas. Compare rates, terms, and programs from 33 lenders.
Non-QM Lenders Serving Sacramento
33 lenders offering non-qm loans in the Sacramento, CA area.
Athas Capital Group
LocalCA
Wholesale non-QM lender offering bank statement, DSCR, asset qualifier, and foreign national programs.
Carrington Mortgage Services
LocalAnaheim, CA
Non-QM specialist accepting credit scores as low as 500-550. Programs for borrowers with recent bankruptcy, foreclosure, or non-traditional income. Government and conventional loans too.
Griffin Funding
LocalCA
Nationwide DSCR lender. No income verification, DSCR as low as 0.75. Up to $5M loan amounts. Also offers VA, conventional, and non-QM loans.
JMAC Lending
LocalCA
DSCR loans available in select states. Min DSCR 0.75, max LTV 75%, min FICO 660-700.
New American Funding
LocalTustin, CA
Large national lender offering non-QM programs including bank statement loans, asset-based loans, and jumbo non-QM. Max loan $2.5M. Also offers conventional and government loans.
Truss Financial Group
LocalCA
Tailored DSCR and non-QM mortgage solutions. 30-year fixed DSCR loans from $100K to $3M. Also offers 'no ratio' loans.
Acra Lending
LocalCA
Wholesale non-QM lender with a dedicated DSCR program for investment properties. Offers bank statement, asset qualifier, and foreign national programs alongside DSCR.
Newfi Wholesale
LocalEmeryville, CA
Wholesale lender offering DSCR investor loans alongside bank statement, asset qualifier, and jumbo non-QM products. Known for flexible underwriting guidelines.
HomeXpress Mortgage
LocalCA
Wholesale non-QM lender offering DSCR loans for 1-4 unit investment properties. Fast turn times with competitive investor pricing and no income verification required.
Oaktree Funding
LocalCA
Wholesale non-QM lender providing DSCR loans for real estate investors. Specializes in bank statement, asset depletion, and investor cash flow programs.
Kind Lending
LocalSanta Ana, CA
Wholesale lender founded by industry veterans offering DSCR loans for rental investors. Competitive non-QM products with fast underwriting and broker-friendly service.
Change Lending
LocalCA
Wholesale lender with a dedicated DSCR program for real estate investors. Offers competitive non-QM products including bank statement and asset qualifier loans.
A&D Mortgage
Fort Lauderdale, FL
Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.
Angel Oak Mortgage Solutions
Atlanta, GA
Major non-QM and DSCR lender. Investor cash flow loans up to $1.5M. 40-year terms with interest-only options. No limit on properties.
CrossCountry Mortgage
Cleveland, OH
Large national lender offering DSCR, bank statement, and non-QM mortgage products alongside conventional and government loans.
Sacramento Commercial Real Estate Market
Sacramento's CRE market is anchored by California state government, which occupies millions of square feet of office space in and around the Capitol Mall corridor, and by major healthcare systems including UC Davis Medical Center and Sutter Health. The Natomas submarket north of downtown has become a preferred location for corporate office campuses, while the Roseville-Rocklin corridor along I-80 is the primary suburban retail and office growth area. The downtown core has seen notable investment in mixed-use projects, particularly around the Golden 1 Center arena in the Downtown Commons (DOCO) district. The emergence of Sacramento as an affordable alternative to Bay Area markets has attracted tech companies and remote workers, pushing multifamily and office demand upward.
Key Economic Drivers
- ●California state government operations and extensive contractor ecosystem
- ●UC Davis Medical Center and Sutter Health hospital systems
- ●Intel Folsom campus and growing tech sector presence
- ●Golden 1 Center arena and Downtown Commons mixed-use development
Market Insight
Sacramento's median commercial lease rates run approximately 40-50% below San Francisco's, and the region has attracted Bay Area companies seeking lower occupancy costs while maintaining proximity to Northern California's talent base via the Capitol Corridor Amtrak route.
Non-QM Loans in Sacramento, California
Non-Qualified Mortgage (Non-QM) loans are for borrowers who don't meet conventional lending criteria — self-employed, irregular income, recent credit events, or foreign nationals. They use alternative documentation like bank statements, asset depletion, or property cash flow to qualify. In the Sacramento metro area, borrowers can access 33 lenders offering Non-QM financing, including Roseville, Elk Grove, Folsom, and surrounding areas. Loan amounts typically range from $100K to $5M with rates from 6.5% - 10%.
Who Should Consider Non-QM Loans?
- Self-employed borrowers
- Bank statement borrowers
- Foreign nationals
- Recent credit events (bankruptcy, foreclosure)
Key Requirements
- Alternative income documentation
- Down payment 10-25%
- Property appraisal
- Minimum credit score varies (580-680)
Advantages
- ✓Alternative income documentation
- ✓Flexible credit requirements
- ✓Available soon after credit events
- ✓Interest-only options
Considerations
- •Higher rates than conventional
- •Larger down payment
- •Limited lender options
- •May require reserves
Non-QM Loans in Other California Cities
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