Traditional lending standards no longer fit a growing segment of borrowers in the modern mortgage market. These individuals may be self-employed, gig-style workers, real estate investors, or Gen Z freelancers. Non-qualified mortgage (non-QM) loan options, such as those offered by Deephaven Mortgage, fill the gap with flexible underwriting methods, a debt service coverage ratio (DSCR), and asset-based lending. As more Americans seek alternative income sources, non-QM lending is no longer an option — it’s a necessity.
Lenders who embrace these solutions can capture untapped market share and better serve today’s evolving borrower base.
This white paper will offer valuable insights on:
- Today’s mortgage borrower base: Explore the evolution of the mortgage market in terms of borrower types, income sources, and common challenges.
- Understanding a volatile market: As mortgage rates continue to fluctuate, explore the impact of market volatility on non-QM borrowers.
- How non-QM lenders fill the gap: Learn how non-QM lenders are meeting their borrowers’ needs and delivering unprecedented value.
- Non-QM market growth in 2025: Understand how the non-QM mortgage market will grow in 2025 by reviewing research-backed numbers.
Non-qualified mortgage (non-QM) loans create value in an evolving, volatile market that includes a growing segment of borrowers who don’t fit traditional income standards.
Discover how Deephaven Mortgage‘s innovative non-QM mortgage loan options can help lenders serve a broader range of borrowers. Success and leadership are about recognizing a need and making yourself an asset. Lenders must follow Deephaven’s example and evolve to meet the demands of borrowers in today’s mortgage market.