Non-QM Loans in Jacksonville, FL
Find lenders offering non-qm loans in the Jacksonville, including St. Augustine, Orange Park, Ponte Vedra Beach, and surrounding areas. Compare rates, terms, and programs from 33 lenders.
Non-QM Lenders Serving Jacksonville
33 lenders offering non-qm loans in the Jacksonville, FL area.
A&D Mortgage
LocalFort Lauderdale, FL
Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.
Defy Mortgage
LocalFL
DSCR lender with flexible terms. Accepts DSCR as low as 0.75 or no ratio. Up to 85% LTV on SFR purchases. Available in 35+ states.
Residential Mortgage Solutions
LocalFL
Wholesale lender offering DSCR loans for investment properties. Provides non-QM solutions including bank statement, asset depletion, and investor programs.
Triad Financial Services
LocalJacksonville, FL
National lender offering DSCR programs for manufactured housing and traditional investment properties. Niche expertise in factory-built home financing for investors.
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.
Athas Capital Group
CA
Wholesale non-QM lender offering bank statement, DSCR, asset qualifier, and foreign national programs.
Carrington Mortgage Services
Anaheim, 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.
CrossCountry Mortgage
Cleveland, OH
Large national lender offering DSCR, bank statement, and non-QM mortgage products alongside conventional and government loans.
Griffin Funding
CA
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
CA
DSCR loans available in select states. Min DSCR 0.75, max LTV 75%, min FICO 660-700.
New American Funding
Tustin, 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.
North American Savings Bank
Kansas City, MO
Offers 11 types of non-QM loans including bank statement, asset depletion, DSCR, and bridge. 100,000+ mortgages closed since 2010, $30B+ loaned.
Rocket Mortgage
Detroit, MI
Nation's largest online home lender. Offers some non-QM products alongside conventional, FHA, VA, and jumbo loans. Fully digital application process.
Sprout Mortgage
New York, NY
Non-QM wholesale lender. Bank statement, asset depletion, foreign national, and investor programs.
Truss Financial Group
CA
Tailored DSCR and non-QM mortgage solutions. 30-year fixed DSCR loans from $100K to $3M. Also offers 'no ratio' loans.
Jacksonville Commercial Real Estate Market
Jacksonville is the largest city by land area in the contiguous U.S., offering extensive development capacity that keeps commercial land costs well below South Florida levels. The Southside/Gate Parkway corridor houses major financial operations for Deutsche Bank, FIS, and Black Knight, while JAXPORT's growing container volumes have spurred industrial development along the Northside and Westside. Downtown Jacksonville is undergoing revitalization with the former Shipyards site and Lot J project adjacent to TIAA Bank Field. The city's military presence — Naval Station Mayport and Naval Air Station Jacksonville — provides a stable economic anchor and drives demand for government-contracted office and industrial space.
Key Economic Drivers
- ●JAXPORT container terminal expansion and Northside logistics corridor
- ●Financial services operations centers for FIS, Black Knight, and Deutsche Bank
- ●Naval Station Mayport and NAS Jacksonville military-driven demand
- ●Downtown Shipyards and Lot J redevelopment catalyzing urban core investment
Market Insight
Jacksonville offers a Qualified Target Industry Tax Refund program that can provide $3,000 to $6,000 per job created for qualifying businesses, and the city's Northside industrial corridor benefits from a Foreign Trade Zone designation that reduces duty costs for import-dependent tenants.
Non-QM Loans in Jacksonville, Florida
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 Jacksonville metro area, borrowers can access 33 lenders offering Non-QM financing, including St. Augustine, Orange Park, Ponte Vedra Beach, 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 Florida Cities
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