@iamandrewrussell: Back in the day, mortgage rates were in the 9s and 10s, but things have changed—especially in the non-QM space. Today, non-QM loans are mostly geared toward self-employed borrowers who may not show their full income on tax returns. Instead, we get creative with bank statements or a P&L from your accountant to help you qualify. 📄 While there are a few programs for salaried employees, non-QM loans are the perfect fit for self-employed individuals looking to secure financing without the traditional paperwork. #NonQMLoans #SelfEmployedBorrowers #CreativeFinancing #MortgageSolutions #homebuyer #mortgage #realestate #firsttimehomebuyer #mortgagebroker #FHA