Non-QM Mortgage Options in Pierce County, WA

Bank statement loans, 1099 borrower programs, DSCR investor loans, and outside-the-box mortgage solutions for Washington State borrowers.

Empire Home Loans

Empire Home Loans

Phone: (253) 376-5475

Email: [email protected]

NMLS# 1466931

Company NMLS# 1839243

Licensed in: AZ, TX, WA

Empire Home Loans, Inc., NMLS ID #1839243, CA DRE #02086593, CA DFPI/CFL License #60DBO-95315, AZ Lic: MB-1012019. Refer to www.nmlsconsumeraccess.org to see additional license information. The Corporate office address is 4401 Hazel Ave Suite 225, Fair Oaks, CA 95628; www.empirehomeloans.com. This communication is for informational purposes only. This is not a commitment to lend. All programs are subject to change or cancellation at any time and without notice. Empire Home Loans, Inc., supports Equal Housing Opportunity.

Non-QM Mortgage Options in Pierce County, WA | Kirk M. Rau

Bank statement loans, 1099 borrower programs, DSCR investor loans, and outside-the-box mortgage solutions for Washington State borrowers.

Non-QM Mortgage Options in Pierce County, WA

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Bank statement loans, 1099 borrower programs, asset-based lending, investor loans, and other non-qualified mortgage solutions for borrowers who do not fit standard agency guidelines in Washington State.

Non-qualified mortgage (non-QM) loans provide financing options for borrowers whose income, credit, employment, or property situation does not fit the strict criteria of conventional, FHA, or VA programs. These loans use alternative documentation and underwriting methods to evaluate borrower ability to repay.

Non-QM loans are not predatory products. They serve legitimate borrowers—especially self-employed professionals, 1099 contractors, real estate investors, retirees with asset wealth, and individuals recovering from a past credit event—who can afford a mortgage but do not fit into a standard box.

As a Mortgage Loan Originator in the broker channel, I have access to multiple non-QM investors. This allows me to compare available programs, terms, and pricing to find a potential solution for your unique situation in Pierce County or Washington State. Availability depends on investor guidelines and borrower qualifications.

Kirk will reach out shortly to discuss non-QM options for your situation.

If your financial profile does not fit a conventional, FHA, or VA box, non-QM options may provide a path forward. Contact Kirk Rau to discuss your situation and explore available programs in Washington State.