Non-QM Mortgage Solutions
for Real-World Borrowers

“Flexible financing for self-employed clients”

Programs

  • DSCR
  • 1099
  • P&L
  • Bank Statements
  • WVOE
  • Asset Utilization

“No tax returns or W-2s required”

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Non-QM Loan Programs

DSCR

This program helps real estate investors finance their properties by qualifying them based primarily on the cash flow generated by the rent of the investment being purchased.

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12/24 Month Bank Statements

By reviewing the income in your 12 or 24 month bank statements this program analyses your cash flow and shows your true income instead of relying on tax returns.

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1Y+2Y P&L

These loans allow borrowers to use their business's Profit & Loss (P&L) statements to qualify, bypassing traditional income verification.

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1099

Solution for contract and self-employed borrowers that allows them to use only their 1099 forms to report various types of non-employment income received during the tax year.

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WVOE

Verifies your income based on a Written Verification of Employment (WVOE) instead of your tax returns. Ideal for borrowers without traditional W-2s or with income who don’t fit standard conventional guidelines

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Asset Utilization

Program is for self-employed borrowers, retirees, and investors whose income is hard to document. It lets you use your personal assets, providing more flexible financing options.

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Expert Advice - Exceptional Service

At BarCorp Financial Group, we offer competitive rates and exceptional service. Our loan officers have extensive experience in Non-QM, providing personalized solutions to meet your unique needs. We ensure a smooth, client-focused experience with fast closings. Choose BarCorp for unmatched expertise and dedication to your financial success.

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Why Choose BarCorp?

Competitive
Rates

We secure the most competitive mortgage rates available so you can maximize your long-term savings.

Flexible Options

We offer a wide range of mortgage programs  tailored to your specific financial profile.

Expert Advice

Our experienced mortgage professionals explain your options clearly and help you choose the structure that best fits your goals.

Quick Closings

We streamline the mortgage process, coordinate with title and agents, and work to ensure you close on time with minimal stress.

Constant Support

You receive dedicated assistance from start to finish, with post-closing support whenever you need help with your mortgage.

How It Works

Submit Application

Fill out our secure online mortgage application with your basic information and supporting documents.

Get Approved

We review your file, match you with the best mortgage options available, and obtain a strong pre-approval.

Loan Processing

We handle the documentation, work with underwriting, and keep you updated at every stage of your mortgage process.

Close with Confidence

Finalize your mortgage, sign closing documents, and receive the keys to your new home or investment property.

Always at Your Service

We remain available after closing to answer questions, review future refinance options, and support your long-term strategy.

Unlock Exclusive Benefits

  • Access to specialized mortgage programs
  • Higher loan amounts with competitive terms
  • Fast approvals with reduced documentation options
  • Tailored financing for primary, second and investment homes
  • Post-Closing Client Care & Loan Strategy ReviewPost-closing client care and ongoing loan strategy reviews
  • Trusted mortgage guidance

What Our Clients Say

See what our clients from around the world have to say about their experience

“BarCorp Financial Group made the mortgage process so easy and stress-free. The team walked me through every step, explained my options clearly, and kept me updated the entire time. I received a great rate and closed faster than I expected. Truly outstanding service.”

Jennifer Collins

“I had an excellent experience with BarCorp. Their professionalism, speed, and attention to detail were impressive. Every question I had was answered right away, and the loan process moved smoothly from start to finish. I highly recommend them to anyone looking for a reliable mortgage team.”

David Miller

“From the first call to closing day, BarCorp delivered exceptional service. They offered flexible options, clear guidance, and constant support throughout the entire process. I felt confident and well taken care of, and the final terms exceeded my expectations. Fantastic experience.”

Stephanie Harris

Lower Rates Are Back—Let’s Review Your Mortgage

A quick rate check could help you improve your payment or cash flow. A specialist is ready to help.

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