Non-QM Home Loans
in Greenville, SC
Your Upstate Mortgage Experts with Flexible Loan Solutions
Are you looking for a mortgage company in Greenville that understands your unique financial situation and offers options beyond conventional loans? At HomeSpring Mortgage, we proudly serve Greenville and the surrounding Upstate communities with non-qualified mortgages designed for real life. Whether you’re self-employed, investing, rebuilding credit, or need a more personalized approach, our Greenville mortgage lender team is here to guide you home.
What’s a Non-QM Loan?
A Non-QM (Non-Qualified Mortgage) loan is a flexible mortgage solution for borrowers who don’t fit the traditional mold. If you’re a business owner, real estate investor, retiree, or someone with unique income documentation, a Non-QM loan could be your key to homeownership. These loans rely on alternative forms of income verification, such as bank statements, assets, or rental income, rather than standard W-2s or tax returns. If conventional lenders have turned you away, HomeSpring may have the solution you need.
Why Greenville Homebuyers Choose HomeSpring
Greenville is one of the fastest-growing cities in the southeastern United States. From revitalized downtown lofts and single-family homes in Greer to lakeside retreats on Hartwell and Keowee, no two buyers or loans are alike. We tailor every mortgage experience around you. Our team combines in-depth local knowledge with a commitment to transparent and responsive communication, as well as innovative lending solutions tailored to your lifestyle.
What We Offer Greenville Borrowers
As a trusted Greenville mortgage lender, we offer a full suite of Non-QM loan programs designed to fit unique financial profiles—because one size doesn’t fit all.
Bank Statement Loans
Skip the W-2s and qualify using 12 or 24 months of personal or business bank statements. These loans are ideal for entrepreneurs, freelancers, and independent contractors whose income may not be reflected on tax returns.
Foreign National Loans
Thinking of purchasing property in Greenville as a non-U.S. citizen? Our foreign national loans help international buyers secure real estate without needing a U.S. credit history or permanent residency.
Interest-Only Loans
Manage cash flow with lower monthly payments upfront. Our interest-only loans enable you to make interest-only payments for a fixed term, making them ideal for investors or buyers with short-term ownership plans. You maintain financial flexibility while maximizing real estate opportunity.
Asset-Based Loans
Have significant assets but little traditional income? Asset-based loans allow you to leverage savings, retirement accounts, and other verifiable liquid assets to qualify, making them an excellent choice for retirees, trust fund recipients, or high-net-worth individuals.
Recent Credit Event Loans
If you’ve faced bankruptcy, foreclosure, or another credit setback, you don’t have to wait years to buy again. These programs are designed for financially stable borrowers working to rebuild their credit. Get back on track with a loan built around your recovery, not your past.
Medical Professional Loans
We offer exclusive loans for physicians, dentists, and other medical professionals that consider student debt and future earning potential. Enjoy low or no down payment, no PMI, and flexible guidelines that reflect your career stage and financial promise.
Jumbo Loans with as Little as 5% Down
Our jumbo loan options let you borrow more with as little as 5% down—no need to sacrifice location or features. Ideal for high-income buyers who want more home without tying up all their liquid assets.
Condotel Mortgage Loans
Condotel loans are tailored for non-traditional condos and investment properties that typical lenders avoid. Whether you're buying a vacation unit or growing your Airbnb portfolio, we can help.
Take the Next Step Toward Greenville Homeownership with HomeSpring Mortgage
Whether you’re buying your first home in downtown Greenville, investing in a rental near the Swamp Rabbit Trail, or settling into a family home in the suburbs, HomeSpring Mortgage is here to help non-QM loan borrowers move forward on their terms. Reach out today and let’s talk through your options.
From real estate investors to self-employed borrowers—with flexible Non-QM loans and a local team that cares, you’re closer to home than you think.