The mortgage solution for the non-traditional borrower
Who are non-QM loan programs ideal for?
These loans are designed to offer flexibility and a path to homeownership for those who fall outside the standard lending criteria but are capable of managing mortgage payments responsibly.
Self-Employed Individuals- Real Estate Investors
- Those with Past Credit Issues
- High Net Worth Individuals
What is a Non-Qualifying
(non-QM) Loan?
A type of mortgage that does not meet the strict criteria set by the Consumer Financial Protection Bureau (CFPB) for a Qualified Mortgage (QM). Non-QM loans are designed to provide flexibility in the lending process, especially for borrowers who may not qualify for traditional mortgages due to their income type, debt levels, or credit history.
No Tax Returns Required
Higher Debt-to-Income Ratios
Flexible Credit Requirements
Alternative Income Verification
Higher Debt-to-Income Ratios
Flexible Credit Requirements
We invest in local folks. We invest in your neighborhoods.
60+ years of service
We have served the New York City Metro Area for more than 60 years.
#1 Nationwide
National Community Investment Fund rated us #1 for lending in low to moderate income communities among Community Development Financial Institutions (CDFI).1
80% of loans
We invest more than 80% of our assets in low to moderate income neighborhoods.
We are passionate about helping individuals that traditional lenders have turned away
Mortgage World Bankers a division of Ponce Bank
Opening the door to your American Dream
Get Started
The road to home ownership begins with education.
Unlock the keys to your dream home with advice and insider tips from our mortgage blog. Whether you're a first-time buyer or seasoned investor, our comprehensive guides may empower you to make informed decisions. Dive in now and navigate the path to homeownership with confidence!
1 Rated # 1 in DLI – HMDA lending activities in LMI tracts in Deposits by National Community Investment
Fund’s June 2022 Report.
All loans are subject to credit approval. Not all applicants will qualify. Information is subject to change with no prior notice. While multilingual representatives or loan officers are available, all loan disclosures and documents will be in English. You should seek translation assistance from a trusted third party if needed.