Learning center
Answers first. Then the mechanics.
Guides for people who want to know how a program reads their file, and what it costs them, before they talk to anyone. No rates, and no guidelines dressed up as facts.
Alternative documentation
3 guides on Alternative documentation.
What replaced stated income under the Ability-to-Repay rule, and what each path documents.
Alternative documentation
What Is a Non-QM Loan (and Why It Is Not Subprime)
A non-QM loan is a mortgage that falls outside Regulation Z's qualified-mortgage definition, usually because of how income is documented or how the loan is structured.
Alternative documentation
Do Stated Income Loans Still Exist? What the Ability-to-Repay Rule Actually Requires
Not for a home you will live in. Regulation Z requires lenders to verify ability to repay a consumer mortgage from third-party records…
Alternative documentation
Alternative Income Documentation Compared: 1099, P&L, Bank Statement, Asset Depletion
Four methods replace tax returns in non-QM lending: bank statement deposits, 1099 forms, a CPA-prepared profit-and-loss, and asset depletion.
Quick answers
The short version, when that is all you need.
Mortgage FAQs
Forty-plus questions borrowers ask before they apply, grouped by program, with the trade-offs included.
Browse the FAQsMortgage glossary
Plain-English definitions of the terms that come up in non-traditional lending: ATR, non-QM, DSCR, PITIA, expense factor, CLTV, seasoning.
Open the glossaryFind out which program fits your situation.
Answer a few questions about your goal, the property and how you earn. A RateLogiq mortgage professional reviews your scenario and walks you through the options. No credit check at this step, and no application.