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Non-QM Home Loans in
Myrtle Beach

Personalized Solutions for Self-Employed, Investors & Unique Borrowers

Myrtle Beach isn’t just a vacation spot but a growing real estate market with opportunities for first-time buyers, retirees, and investors alike. At HomeSpring Mortgage, we specialize in non-QM loans for borrowers whose financial profiles don’t fit inside the traditional lending box. Whether you’re self-employed, investing in a condo hotel, managing seasonal income, or recovering from credit challenges, our non-QM mortgage experts are here to help you navigate your path to homeownership without judgment or delay.

What is a Non-QM Loan?

Non-QM stands for non-qualified mortgage, and it’s designed for buyers who don’t meet the strict income, credit, or documentation rules that conventional loans require. Instead of relying on W-2s, tax returns, or perfect credit scores, non-QM loans permit alternative verification methods, such as bank statements, liquid assets, or rental income.

These loans are ideal for borrowers with financial profiles that fall outside the traditional box, including business owners, gig workers, and real estate investors, as well as foreign nationals and retirees who rely on their assets for income.

Non-QM Loan Programs Available in Myrtle Beach

At HomeSpring Mortgage, we offer a wide range of non-qualified mortgages, each built for flexibility, speed, and real-world qualification.

Bank Statement Loans

With our bank statement loans, you can qualify using 12 or 24 months of personal or business bank statements. Ideal for self-employed borrowers, freelancers, or those with multiple income streams, we'll explore alternative income verification methods to determine what you can afford.

Foreign National Loans

Dreaming of owning a second home or vacation property in Myrtle Beach, but don’t live in the U.S.? Our foreign national loan programs enable non-residents to purchase property in the U.S. without requiring a U.S. credit history, Social Security numbers, or residency.

Interest-Only Loans

With interest-only loans, you’ll make interest-only payments for a set period, making them ideal for buyers with fluctuating income, investors focused on appreciation, or those planning to sell or refinance within a few years.

Asset-Based
Loans

If you’ve built up significant assets, such as savings, investments, or retirement accounts, but don’t have traditional income, asset-based loans allow you to qualify based on your liquid assets. Learn more.

Recent Credit Event Loans

Been through a bankruptcy, short sale, or foreclosure? Our recent credit event loans are here to help you recover and move forward. If your finances have stabilized but your credit hasn’t fully rebounded, we offer programs with shorter waiting periods and flexible underwriting.

Medical Professional Loans

Our medical professional loan programs offer relaxed underwriting, low or no down payment, and no private mortgage insurance (PMI), as well as higher debt-to-income limits for doctors, nurses, dentists, and other healthcare professionals, making them perfect for new hires or those relocating for work.

Jumbo Loans with as Little as 5% Down

From Grande Dunes to North Myrtle Beach, our jumbo home loan programs allow you to borrow above conforming limits with as little as 5% down. Access higher-value homes with lower upfront costs without sacrificing flexibility.

Condotel Mortgage
Loans

Whether you’re buying a second home in an oceanfront tower or adding a short-term rental to your portfolio, our condotel loan programs provide flexible terms for properties that operate like hotels.

Testimonials

Another couple weeks and we will have been in our new house 1 full year! What a journey – and thanks to you and HomeSpring it didn’t hurt too much, once I found you! Being Self-employed with some “past credit challenges” put me right into your preferred client range. Before you, we went through a multiple-months long, excruciating experience with another lender that didn’t work for us. Once we found you, the approval process was quick and painless! We had Schumacher Homes build our home and they told me your company was the quickest, easiest to work with and most enjoyable lender they have worked with… They’re nationwide and I believe they built about 200 homes in the Lowcountry last year. To underscore your ease of use… we refinanced the house after 6 months with a well-known national bank. What a pain in the butt! Took 3 months, we had to resubmit our financials every month and we had to work hard to get the refinance! Thank God that’s over!! Rest assured I’ll mention Chris Lathbury and HomeSpring Mortgage to anyone I meet who may need you! If you need a reference, feel free to pass on my name and I will sing your praises!! Thanks for all your work and help in making such a potentially stressful process go so well!

I want to say thank you to Chris Lathbury and the entire team at HomeSpring Mortgage for being so wonderful and gracious to me during the entire application, underwriting and funding process for the purchase of my home. It didn’t stop there Chris was very active in servicing the loan after funding. Whenever I would reach out with a question or had a concern Chris would always return my email or call within 24 hours max. Thank you from the bottom of my heart for all your help in accommodating the loan process to align with my relocation and new job appointment. It has been a pleasure to work with all of you! I highly recommend Home Spring Mortgage for all your real estate loan needs, you will not regret it.


Firstly, it is a major task to apply for and be approved for a mortgage and when going through that process you want a mortgage lender that understands your specific needs and how to make that a reality. HomeSpring Mortgage is that company. After dealing with several lenders and their numerous delays I found Chris and HomeSpring. They were professional, communicative, truthful and a company that gets the job done. HomeSpring is the way to go when looking to finance your home. Solutions is what they are about.

My clients and I found Chris after another lender let us down. He listened to us, looked over our contract, and even spoke with the seller of the home my client’s were purchasing to help salvage the deal. With an incredibly tight timeline, and tons of emotions, Chris was the true hero in this transaction and made it happen for us. Words truly do not express the level of gratitude I feel for how hard he worked for us. To say he went above and beyond is an understatement. This was my first time working with Chris, and the person who referred me to him told me he has a heart of gold, and he did an outstanding job living up to that reputation. He will be my go-to for these unique financing situations from now on!
Hey Norb – We just closed and I just wanted to reach out and sincerely thank you, Chris, and HomeSpring Mortgage for working with us on this. As you can imagine, we’ve had a very difficult time getting back in the good graces of lenders, especially on this scale, and needed a chance, and ya’ll gave us that. We’re excited about being able to do our renovation project now, when only a month or two ago it was looking highly unlikely. Also, I appreciate the timeliness and level of communication that ya’ll showed throughout the whole process, which made everything run smoothly. Our intentions are to not stick around at the higher rate for the long term, as I’m sure you can understand, when hopefully rates come down at some point and our credit profile should continue to improve. Whenever that time comes, we will most certainly work with y’all again to hopefully capture a lower rate. Thanks again!

Successfully Buy or Invest with a Myrtle Beach Mortgage Lender from HomeSpring Mortgage

Whether you’re moving in full-time, purchasing a vacation home, or diversifying your portfolio with rental properties, HomeSpring Mortgage is here with fast, friendly, and flexible lending options that meet you where you are. Reach out today to get started.

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