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Non-QM Resource Center


A non-qualified mortgage or non-QM is a loan for borrowers who cannot meet the guidelines of an Agency or a qualifying mortgage (QM). An example is a self-employed borrower who cannot qualify using their tax returns. They need an alternative solution such as a Bank Statement loan to qualify for a home loan.

With over 35 years of combined industry experience in lending that betters the financial position of our customers, Stewards of Capital Home Mortgage® has been very successful in closing loans that no one else can. Our unique lending philosophy – superior service, a complete financial review, and bettering the financial position of the borrower and the community – has allowed us close billions of dollars in loans.


Stewards of Capital Home Mortgage® offers financing to investors looking to buy and sell properties. Leveraging over 35 years of combined industry experience and knowledge we determine whether the property presents a safe investment and a good loan. We underwrite all of our loans to benefit the financial position of the borrower and the community.


Investing in America is not only for US citizens. Stewards of Capital Home Mortgage® works with foreign nationals interested in owning or investing in the American Dream. South Florida is a diversely populated area and Stewards of Capital & Co. has deep background and experience in lending to foreign nationals.


We believe that all members of our community should have access to financing the American Dream.

Working on Train

Bank Statement Program

Bank Statement Program:

We help self-employed borrowers qualify by basing income on their cash flow and liquid assets since their tax returns and W-2s of pay stubs alone may not be reflective of their ability to repay.

  • 12-24 Months Personal or Business Bank statements

  • Purchase And Refinance Ok &

  • Must be Self Employed for at least 2 years

  • 30 Year Fixed Rates

  • Up To 90% LTV

  • Occupancy Includes Primary, 2nd Home And Investment


Dollar Bills

Investment Cash Flow (DSCR)


Investment Cash Flow Program:

​We help borrowers qualify based on rental analysis to determine property cash flow versus income and debts.

  • Purchase And Refinance Ok & Self Employed Ok

  • Up To 85% LTV

  • Occupancy Includes Primary, 2nd Home And Investment

  • 30 Year Fixed Rates

  • Must own a primary residence

Young Businesswomen

Foreign National Partnership Program

Foreign National Program Highlights:


  • Foreign Nationals Only (Diplomatic Immunity Is Ok)

  • Purchase And Refinance Ok & Self Employed Ok

  • Up To 75% LTV

  • Occupancy Includes Primary, 2nd Home And Investment

  • Never A Pre-Payment Penalty

  • 1-5 Year Balloon

  • Money For Down Payment Must Be In Country For 30 Days

  • Rates From 7.49 – 12.00%


Second Chance Purchase Program

Second Chance Program Highlights:


  • Up To 90% LTV

  • No Minimum Credit Score

  • Full Doc Only – 43% DTI

  • Bankruptcy, Foreclosure And Shorts Sales Are OK

  • Deferred Maintenance Is Acceptable On Purchases

  • Up To 7% Seller Help Allowed

  • Gift Funds Are Acceptable

  • Need 2 Months PITI In Post-Closing Reserves

  • Consider 1st Time Homebuyer w/ Larger Down Payment


Rehab & Flip Program

Rehabilitation Flip Program Highlights:


  • Up to 125% Of The Purchase Price Or Up To 70% ARV

  • No Minimum Credit Score

  • No Income Qualification

  • Previous Bankruptcy, Foreclosure And Short Sales, Ok

  • Minimum Investment of $10,000

  • No Due Diligence Or Loan Commitment Fees

Recent Housing Events Program

Recent Housing Events Program


  • 1 Day out Short-Sale, Bankruptcy or Foreclosure

  • Credit Scores starting at 500

  • Up to 80% LTV / Up to 50% DTI

  • Bank Statement Program for Self Employed Borrowers

  • Loans up to $1 million

  • Owner Occupied and investment properties

  • Single Family, Townhouses and Condominiums

  • 30 year fixed – No Prepayment Penalty

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