Non-QM Loans in Allentown, PA
Find lenders offering non-qm loans in the Allentown, including Bethlehem, Easton, and surrounding areas. Compare rates, terms, and programs from 33 lenders.
Non-QM Lenders Serving Allentown
33 lenders offering non-qm loans in the Allentown, PA 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.
Allentown Commercial Real Estate Market
The Lehigh Valley market centered on Allentown, Bethlehem, and Easton has become one of the hottest industrial and warehouse markets in the Northeast, driven by its proximity to New York City and access to I-78 and I-476. The creation of the Neighborhood Improvement Zone (NIZ) in downtown Allentown redirected tax revenues to fund nearly $1 billion in new development, including the PPL Center arena and surrounding office towers. Bethlehem's SteelStacks arts campus and the redeveloped Bethlehem Steel site have attracted mixed-use and hospitality investment. The region's warehouse and distribution pipeline has been among the largest in Pennsylvania, with Amazon, FedEx, and third-party logistics providers leasing millions of square feet along the Route 22 and I-78 corridors.
Key Economic Drivers
- ●Lehigh Valley's I-78 and I-476 logistics corridor serving as a distribution hub for the New York metro area
- ●Allentown's Neighborhood Improvement Zone (NIZ) tax incentive driving downtown office and mixed-use development
- ●Lehigh Valley Health Network and St. Luke's University Health Network expanding medical campuses
- ●Amazon, FedEx, and major 3PL fulfillment center concentration along Route 22
Market Insight
The Allentown Neighborhood Improvement Zone allows businesses within its 128-acre boundary to redirect virtually all state and local taxes generated within the zone toward financing their building projects, making it one of the most aggressive CRE incentive programs in the country.
Non-QM Loans in Allentown, Pennsylvania
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 Allentown metro area, borrowers can access 33 lenders offering Non-QM financing, including Bethlehem, Easton, 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 Pennsylvania Cities
Find Non-QM Lenders in Allentown
Get matched with lenders offering non-qm loans in the Allentown, PA area. Free for borrowers.
Get Matched — Free →