Specialty Mortgage Programs

Flexible options for unique borrower needs

Not every borrower fits into the traditional mortgage box—and that’s where CTC Mortgage can help. We offer specialty and non-QM loan programs designed for self-employed buyers, real estate investors, foreign nationals, and others with unique financing needs. Our programs provide alternatives when conventional, FHA, VA, or USDA loans aren’t the right fit.

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Beyond Traditional Mortgages

Loan programs for non-standard situations

Specialty mortgage programs, often called non-QM (non-qualified mortgage) loans, are designed for borrowers whose income, credit, or property type doesn’t meet conventional lending guidelines. These programs can be ideal for business owners, investors, or buyers with overseas assets. At CTC Mortgage, we partner with lenders offering a range of solutions so you can secure financing that works for your circumstances—not just the standard mold.

Flexible Programs for Diverse Borrowers

Options tailored for different goals

Bank Statement Loans

Use your bank deposit history, rather than W-2s or tax returns, to qualify. Popular with self-employed individuals, freelancers, and small business owners.

DSCR Loans

For real estate investors, qualify based on the property’s rental income covering the mortgage payment, rather than personal income.

Foreign National Loans

Designed for non-resident buyers, using overseas income and assets with flexible documentation requirements.

Portfolio & Asset-Based Loans

Qualify using significant liquid assets or through lender portfolio programs that allow for unique situations.

Renovation & Other Niche Programs

Finance both the purchase and renovation of a property in one loan, or explore specialized products like bridge loans for transitions between homes.

Matching Solutions to Situations

Who Might Benefit from These Programs

Specialty loan programs are ideal for borrowers who may not meet standard lending guidelines but have strong overall financial profiles. This can include self-employed individuals with variable income, real estate investors managing multiple properties, or those with recent credit events who are rebuilding. They also serve foreign nationals purchasing property in the U.S. without established domestic credit.

How the Process Works

The process starts with a conversation about your goals and the details of your financial situation. We’ll match you with programs that fit your income documentation, property type, and desired loan terms. From there, we guide you through application, underwriting, and closing—just like any other mortgage, but with flexible guidelines suited to your needs.

Why Borrowers Turn to CTC Mortgage

These programs can be more complex than standard loans, but our approach focuses on clarity and efficiency. We work with a wide network of lenders to offer competitive solutions and structure the loan in a way that aligns with your objectives. The result is financing that supports your plans without forcing you into a one-size-fits-all product.

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Specialty Mortgage Program FAQs

Common questions about non-traditional loans

  • What is a non-QM loan?

    A non-QM (non-qualified mortgage) loan is a mortgage that doesn’t meet the standard requirements set by agencies like Fannie Mae or Freddie Mac. These loans often have more flexible income documentation, credit history, or property guidelines. They’re ideal for borrowers with strong financial standing who simply don’t fit the standard approval process.

  • Are specialty loans only for people with bad credit?

    No, many specialty loans are designed for financially stable borrowers with non-traditional income or unique needs. For example, a self-employed borrower with excellent credit may use a bank statement loan to qualify based on business deposits. These programs expand access to financing beyond the conventional model.

  • How does a DSCR loan work for investors?

    A DSCR loan qualifies the borrower based on the rental income of the property compared to its expenses. If the property generates enough income to cover the mortgage and related costs, it can be approved without personal income verification. This makes DSCR loans especially useful for investors holding properties in their own name or an LLC.

  • Can foreign nationals get a mortgage in the U.S.?

    Yes, foreign national loans are specifically structured for non-residents buying U.S. real estate. They typically require a larger down payment and allow income and asset documentation from outside the United States. These programs help international buyers access the U.S. housing market without needing a domestic credit history.

  • Are interest rates higher on specialty loans?

    Rates on specialty or non-QM loans can be slightly higher than conventional mortgages, reflecting the increased flexibility and risk to the lender. However, many borrowers find the trade-off worthwhile for a loan structure that fits their unique situation. The exact rate depends on the program, down payment, and borrower profile.