Non-QM Loans in Columbus, GA
Find lenders offering non-qm loans in the Columbus, including Phenix City, Fort Moore, and surrounding areas. Compare rates, terms, and programs from 33 lenders.
Which Non-QM lenders serve Columbus?
33 lenders offering non-qm loans in the Columbus, GA area.
Angel Oak Mortgage Solutions
LocalAtlanta, 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.
Angel Oak Mortgage Solutions
LocalAtlanta, GA
Leading non-QM wholesale lender offering DSCR investor loans. Pioneer in the non-QM space with bank statement, asset qualifier, and investor cash flow programs.
A&D Mortgage
Fort Lauderdale, FL
Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.
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.
Defy Mortgage
FL
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.
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.
Acra Lending
CA
Wholesale non-QM lender with a dedicated DSCR program for investment properties. Offers bank statement, asset qualifier, and foreign national programs alongside DSCR.
What does the Columbus commercial real estate market look like?
Columbus's commercial real estate market is heavily influenced by Fort Moore (formerly Fort Benning), one of the largest military installations in the U.S., which drives demand for government-contracted office space, retail, and multifamily housing along the Victory Drive and Manchester Expressway corridors. The Uptown Columbus riverfront has undergone a significant revitalization anchored by the National Infantry Museum, whitewater rafting course, and mixed-use development along the Chattahoochee River. Phenix City, Alabama, directly across the river, functions as part of the same commercial market. The metro's economy also benefits from Aflac's global headquarters, TSYS (now Global Payments), and Synovus Financial, which provide a financial services employment base unusual for a city of this size.
Key Economic Drivers
- ●Fort Moore (formerly Fort Benning) military installation and defense spending
- ●Aflac global headquarters and Synovus Financial corporate campus
- ●Global Payments (formerly TSYS) technology and payment processing operations
- ●Uptown Columbus riverfront redevelopment and mixed-use projects
Market Insight
Columbus's Uptown Renaissance has leveraged New Markets Tax Credits and Georgia Opportunity Zone designations to channel over $300 million in investment into the riverfront district, including the conversion of former industrial buildings into loft offices and boutique hospitality.
How do non-qm loans work in Columbus, Georgia?
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 Columbus metro area, borrowers can access 33 lenders offering Non-QM financing, including Phenix City, Fort Moore, 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)
What are the 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 Columbus FAQ
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