Flexible Mortgages
Find the loan program that fits your goals and take the next step toward financial freedom!
Not every borrower fits into a traditional mortgage box. That’s where Flexible Mortgages come in.
At OpenKey Mortgage Advisors, we offer a range of flexible mortgage solutions for self-employed borrowers, investors, retirees, and anyone whose financial picture is unique. If a conventional, VA, or FHA loan doesn’t quite work for you, we have options that do.
What Are Flexible Mortgages?
Flexible Mortgages (sometimes called non-QM or alternative loans) are designed for borrowers who don’t meet standard underwriting guidelines. They look beyond traditional W-2 income and focus on your full financial story.
Why Borrowers Choose Flexible Mortgages
- Self-employed or business owners with variable income
- Investors buying rental or investment properties
- Retirees using asset-based qualification
- Borrowers with recent credit events or higher debt-to-income ratios
- People who want faster closing or more flexible terms
Popular Flexible Mortgage Options We Offer
- Bank Statement Loans – Qualify using 12–24 months of bank statements instead of tax returns
- Asset-Based Loans – Use liquid assets or retirement accounts for qualification
- DSCR Loans – Debt Service Coverage Ratio loans for investment properties (qualify based on rental income)
- No-Income, No-Asset (NINA) Loans – Available in select cases for strong credit and equity situations
- Non-QM Conventional Loans – More flexible credit and income guidelines
Who Typically Uses Flexible Mortgages?
These programs are ideal for:
- Self-employed professionals and small business owners
- Real estate investors
- Retirees and high-net-worth individuals
- Borrowers with recent credit challenges
- Anyone whose financial profile doesn’t fit standard “box” loans
Why Choose OpenKey Mortgage Advisors for Flexible Mortgages?
- Independent brokerage with access to specialized non-QM lenders
- Deep expertise in alternative financing options
- Fast pre-approvals and honest guidance
- Personalized service — we take the time to understand your full financial picture
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