Non-QM loan leads
Borrowers who do not fit the agency box, from the self-employed to investors and foreign nationals.
Non-QM is not one borrower, it is a long list of people the agency guidelines were not built for. Business owners with heavy write-offs, landlords, buyers with an ITIN, retirees living off savings, and people rebuilding after a short sale or bankruptcy all end up here. We run campaigns for each group and deliver every inquiry to one loan officer.
- Borrower type and reason for non-QM captured
- Deposits and credit range self-reported
- Exclusive and never resold
Watch it in 42 seconds
A 42-second explainer from the Amplify Leads team: non-QM loan leads for borrowers outside the agency box.
What non-QM leads look like when they reach you
Who
Self-employed and 1099 earners, investors, foreign nationals, retirees with assets, people with a recent credit event, and borrowers with a high debt-to-income ratio.
What they want
To buy or refinance when a standard income, credit or property review says no. Many have been turned down once already.
Where they go next
Each group has its own page, with its own ads and form: bank statement, investment property, ITIN, and interest-only or asset depletion.
Non-QM programs vary a great deal from lender to lender, and the ability-to-repay rules still apply. Know what you can place before you buy leads.
Two ways to get them: a managed Facebook campaign under your name, or pay per lead. Related: bank statement leads, DSCR leads, and ITIN leads. Or see mortgage leads by state.
Before you reach out
What does non-QM mean?
It means a loan that does not meet the definition of a qualified mortgage under the CFPB rules. It is not subprime by default, but pricing and guidelines differ from agency loans, and lenders set their own boxes.
Which borrower types should I start with?
Start with the group your lender places most easily. Self-employed borrowers and investors are the usual first picks, and the dedicated pages for each let you run a focused campaign.
Do you pre-screen credit?
No. Borrowers give a credit range in their own words, and you run the real check. We do not pull credit.
Find out what a campaign could look like where you lend
Half an hour with our team, at no charge. Come with your state, the programs you write and what has not worked so far. You leave with a sketch of what we would build, or an honest no.