Non-QM Loans in Bend, OR
Find lenders offering non-qm loans in the Bend, including Redmond, Sunriver, and surrounding areas. Compare rates, terms, and programs from 33 lenders.
Which Non-QM lenders serve Bend?
33 lenders offering non-qm loans in the Bend, OR area.
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.
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.
Arc Home
NJ
Wholesale and correspondent lender offering DSCR loans for real estate investors. Part of Angelo Gordon's platform with competitive non-QM pricing.
What does the Bend commercial real estate market look like?
Bend is one of Oregon's fastest-growing small metros, driven by lifestyle migration and a booming tourism economy that generates outsized demand for hospitality, retail, and short-term rental properties. The Old Mill District along the Deschutes River has become the city's signature mixed-use commercial center, while the Juniper Ridge area on the north side is the primary zone for industrial and flex-space development. Commercial land prices have risen sharply due to the urban growth boundary and Deschutes County's limited buildable supply, creating a constrained market where new construction often commands premium rents. The local economy has diversified beyond tourism into craft brewing, outdoor gear companies, and a growing remote-worker population.
Key Economic Drivers
- ●Tourism and outdoor recreation economy anchored by Mt. Bachelor ski resort and Deschutes River recreation
- ●St. Charles Health System, the largest employer in Central Oregon, expanding its medical campus
- ●Craft brewing and distilling cluster including Deschutes Brewery, Boneyard Beer, and Bend Distillery
- ●Remote worker migration fueling demand for coworking spaces, residential conversions, and neighborhood retail
Market Insight
Bend's population has roughly doubled since 2000, but its urban growth boundary severely limits developable commercial land, creating a supply-constrained environment where Class A retail and office rents can rival those in Portland's suburban corridors.
How do non-qm loans work in Bend, Oregon?
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 Bend metro area, borrowers can access 33 lenders offering Non-QM financing, including Redmond, Sunriver, 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 Bend FAQ
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