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NON-QM  ·  ALTERNATIVE DOCUMENTATION LENDING

Lots of
Options.

Be free.

DSCR. Community Loans. Bank Statements. 1099. The kind of financing built for real life, so you can be free from having to divulge your tax returns.

GET STARTED CALL BRIGHTON

WHY NON-QM

Your Income Is Real.
Your Loan Should Be Too.

Not everyone fits in the conventional box, and that's a good thing. If you're self employed, an investor, a business owner, or anyone whose tax returns don't tell the whole story, Non-QM was built for you. Real income, real assets, real common sense underwriting. No forcing your life to fit a form.

THE PROGRAMS

Four Ways to Get You Home

DSCR
INVESTORS & RENTALS

Qualify on the property's rental income, not your personal income. No tax returns, no W2s, no pay stubs. If the rent covers the payment, you're in business. Built for investors who want to scale without the paperwork holding them back.

COMMUNITY LOANS
FLEXIBLE QUALIFYING

Common sense lending for borrowers who don't fit the conventional mold. Lighter documentation, room for unique situations, and programs designed to open doors that the big banks tend to slam shut. Real people, real circumstances, real approvals.

BANK STATEMENT
SELF EMPLOYED

We use 12 or 24 months of your bank deposits to show your income instead of tax returns. Perfect for business owners and self employed earners whose write offs make their returns look a whole lot smaller than their actual cash flow.

1099
INDEPENDENT EARNERS

If you earn on a 1099, we can qualify you straight off your 1099 income. No digging up two years of complicated returns. Simple, clean, and built around the way independent contractors and gig earners actually get paid.

THE BEST PART

Be Free From Your Tax Returns

The conventional world asks for everything. Non-QM asks for what actually matters. Here's a short list of what you can leave out of it.

✕
No Tax Returns
✕
No W2s
✕
No Pay Stubs
✕
No Hassle
Brighton Truax building lasting client relationships

We're always looking to build lasting relationships.

OUR PROMISE TO YOU

We Consider You Family

To us, a mortgage is never just a transaction. It's the beginning of a relationship. We treat the people we work with like family, because that's honestly how we'd want to be treated. Long after the loan funds and the boxes are unpacked, we're still here for you, for your referrals, and for whatever life throws at you next. From the very first hello, you're not a file number to us. You're family, and we'd be honored to earn a place in your corner for years to come.

Brighton TruaxBRANCH MANAGER · TRUAX MORTGAGE CONSULTING

Let's Find Your Option

One quick conversation. Zero pressure.

APPLY NOW CALL (714) 909-2494
APPLY NOW — FREE & NO OBLIGATION