Non-QM Performs Well in First Quarter of 2025

In the first quarter of 2025, non-QM markets had a very strong start in spite of general market instability and uncertainty.

What you may not know is that this uncertainty and market volatility is an advantage to lenders who offer non-QM options.

Why is that? Non-QM loans offer more flexibility when it comes to qualifications, which is a huge advantage during market downturns or recessions. Volatile markets make it even harder for the average consumer to qualify for traditional loans. One of the best alternatives is to seek out a comparable non-QM loan that offers similar terms with fewer restrictions.

Lenders also benefit from non-QM lending during periods of market uncertainty because it allows them to expand their market reach and serve a greater range of borrowers. During times of turbulence, non-QM loans can help lenders float through a crisis while still maintaining some profit.

So far in the first quarter of 2025, non-QM loans have increased in demand and seen an increase in investor interest. Lenders have expanded their offerings and alternative lending options as a result of this increased demand and market instability.

Another reason why demand for non-QM loans increased in early 2025 is because it is an attractive option for non-permanent residents. Residents who haven’t yet gained permanent residency status can struggle to find lenders willing to work with them to purchase a home, but non-QM loans are always an option for individuals who can’t produce citizenship papers.

Non-residents aren’t the only population that can benefit from non-QM options. These types of loans are also a great fit for individuals who are self-employed, carry a large amount of debt, have subpar credit scores, or have other non-traditional situations that make qualifying for other loans a challenge.

During times of market instability, more individuals get pushed into these categories, increasing the demand for non-QM loans.

Are You Looking for Non-QM Home Loan Options?

Here at Non-QM Home Loans, our team of lenders can help you identify your options if you’re looking for non-traditional alternatives. We make non-qualified mortgages as easy as possible by first identifying your needs and then going over your options with you.

We can help whether you’re self-employed, have little to no documentation, live on a non-traditional income, are currently a foreign national living in America, or you’re simply looking for a non-traditional loan to fund an investment property. We might also be able to help with other non-traditional situations too, depending on your circumstances.

Our offers are available nationwide, and we offer low starting rates that are affordable and achievable for most. We have over $1 billion in available capital ready to help you meet your goals.

Are you interested in learning more about our options? Scroll through our interactive menu while selecting the options that best fit your needs to give our agents all the details they’ll need to help you secure the best possible home loan that fits your situation. If you’d prefer, then you can also reach out to us directly at (800) 413-0240.