1-800-793-9633 contactus@emmloans.com Login About Us Resources Loan Options Locations Loan Servicing Careers Contact Us Knowledge Hub Video: What is a Non-QM Loan? What is a Non-QM Loan? Non-Qualified Mortgage (Non-QM) loans are typically for borrowers with unique circumstances and for those who don’t fit the normal “qualified-mortgage box”. Often these loans are for borrowers with non-traditional circumstances like fluctuating income, self-employed independent business owners, contractors, entrepreneurs, artists, etc. Benefits of Non-QM Loan It is not mandatory for a borrower to meet the minimum waiting period after bankruptcy. Non-QM loans do not have a waiting period. When faced with bankruptcy or foreclosure you can still receive a loan. The customers should know that they can pay interest only on their initial loan and later make a more substantial payment using the principle. Who Qualifies? Qualification methods vary from the standard process and product terms may also vary including but not limited to Interest Only loans. Apply Now BBB Rating: A+ As of 2021 Click for Profile Proud member of Apply Now Home Calculate Your Mortgage Loan Options Contact Us To view legal disclosures and important notices, please click the following: NMLS Consumer Access | Privacy Policy | Privacy Notice (CA Residents) | State Licensing © 2021 EMM Loans LLC. All Rights Reserved. | NMLS# 2926 This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.

1-800-793-9633 contactus@emmloans.com Login About Us Resources Loan Options Locations Loan Servicing Careers Contact Us Knowledge Hub Questions about your mortgage payment... We are always available to answer your questions or assist you with any issues that may arise Call Us 800-793-9633 x982 Email Us loanservicing@emmloans.com Pay By Mail Emm Loans LLC P.O. Box 3033 Cherry Hill, NJ 08034 BBB Rating: A+ As of 2021 Click for Profile Proud member of Apply Now Home Calculate Your Mortgage Loan Options Contact Us To view legal disclosures and important notices, please click the following: NMLS Consumer Access | Privacy Policy | Privacy Notice (CA Residents) | State Licensing © 2021 EMM Loans LLC. All Rights Reserved. | NMLS# 2926 This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.