Non-QM Loans in Seattle, WA
Find lenders offering non-qm loans in the Seattle, including Bellevue, Tacoma, Redmond, and surrounding areas. Compare rates, terms, and programs from 33 lenders.
Non-QM Lenders Serving Seattle
33 lenders offering non-qm loans in the Seattle, WA 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.
Seattle Commercial Real Estate Market
Seattle is one of the nation's premier technology-driven commercial real estate markets, with Amazon's sprawling South Lake Union campus, Microsoft's Redmond headquarters, and a dense ecosystem of cloud computing, AI, and biotech firms generating enormous demand for office, lab, and data center space. The Bellevue CBD has emerged as a rival urban core, attracting major tenant relocations from Seattle proper including Meta and Amazon office expansions in the Spring District. Industrial demand is intense along the Kent Valley and the Port of Seattle corridor, where e-commerce fulfillment and trade logistics drive some of the lowest vacancy rates in the western United States. The city's multifamily market remains one of the most active in the country despite rent stabilization discussions, fueled by continued population growth and high housing costs that sustain renter demand.
Key Economic Drivers
- ●Amazon, Microsoft, Google, and Meta tech campuses driving office and R&D absorption
- ●Port of Seattle and Kent Valley industrial corridor supporting international trade and logistics
- ●Fred Hutchinson Cancer Center and the South Lake Union biotech cluster
- ●Bellevue's Spring District and East Link light rail expansion reshaping Eastside development
Market Insight
Washington state has no personal or corporate income tax, which has been a decisive factor in attracting tech company expansions and headquarters relocations to the Seattle-Bellevue metro, though commercial property tax rates in King County remain above the national average.
Non-QM Loans in Seattle, Washington
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 Seattle metro area, borrowers can access 33 lenders offering Non-QM financing, including Bellevue, Tacoma, Redmond, 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
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