(800) 621-4656

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.

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!

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.

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