Mortgage Marketplace for Borrowers Seeking Financing With Alternative Qualification Methods

The ultimate middleman for Non-QM Loans, connecting you to the right broker, the right lender, and the right loan program. Pre-Qualify in 15 Mins.

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Everyone Benefits

Executive Summary

For Borrowers

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35% of the American workforce do not qualify for mortgages through conventional qualification methods, we're here to help.


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  • No additional cost

  • Pre-Qualified in 15 mins

  • Lowest rates

  • Instant quotes

  • Submit documents once

  • Match with expert brokers

  • Match with top lenders

For Brokers

Non-QM Brokers Host IO

Lean teams in volatile markets depend on deal flow and efficient processes. Our SaaS simplifies origination and delivers free leads.

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  • First access to free leads

  • Lender marketplace

  • Product and Pricing Engine

  • Native POS

  • LOS API Integrations

  • TPO (2023)

  • AI Powered (2023)

For Lenders

Non-QM Lenders Host IO

We partner with the best Non-QM lenders with the highest close rates and best loan programs. Join our marketplace.

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  • First access to free leads

  • Fully qualified borrowers

  • First access to brokers

  • Educated brokers

  • Loan Program awareness

  • Direct feedback

  • TPO (2023)

15 mins to Pre-Qualification!

How Does it Work?

How it works Host IO Non-QM origination
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When others turn you away, we find a way!

For Borrowers

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who qualifies for non-qm

➞ Denied financing?

➞ Need alternative qualification methods?

➞ Ultra-rate conscious?

➞ Calling around to find the right broker, lender, and loan program?

➞ Submitting and resubmitting paperwork?

➞ Need an expert team on your side?

Save time. Save money.

Get Matched.

Submit Once.

Instant Quotes.

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Alternative Qualification

What is Non-QM?

When you secure a loan through alternative qualification methods, those are called Non-QM (Non-qualified mortgages). The program was launched in 2015 in response to the steep regulations the CFPB (aka the government) put in place after the 2008 housing crisis. Many borrowers aren’t aware of the program, and many brokers and lenders have not capitalized on technology to streamline the process.

$40 B in Loan Origination Volume

It has doubled since 2021, and it will only grow. We just wanted to point this out to show this is safe and secure and is becoming more and more commonplace.

5% of Market Share

The real estate market is $2.4 T. Most people secure financing through conventional government back securities. But not everyone qualifies. Since 2015, borrowers are starting to realize the potential of a Non-QM loan.

5 Alternative Qualification Methods

Alternative qualifications include bank statements, asset depletion, real estate current and future asset value, and DSCR.

6 Loan Types

Perm, Fixed Rate, Fix and Flip, Construction, BRRRR, Long Term Rental, Short Term Rentals.

7 People Who Benefit

Investors, small business owners, independent contractors, self-employed, retirees, high net worth individuals, and foreign nationals seeking alternative qualification methods in order to finance a non-owner occupied property can take full advantage of our platform. In 2023, we will be able to support owner-occupied properties. If you qualify for a conventional loan, you should proceed with that route. If you have questions on whether you qualify for a QM loan or Non-QM Loan, our pre-qualification engine can help you.

50 States

We can assist investors seeking financing for non-owner occupied territories in all 50 states. For owner occupied territories, we can assist you in the following states for now - AZ, CA, CO, FL, GA, ID, OH, OR, SC, TN, TX, VA, WA, WY.

$40 B in Loan Origination Volume

It has doubled since 2021, and it will only grow. We just wanted to point this out to show this is safe and secure and is becoming more and more commonplace.

5% of Market Share

The real estate market is $2.4 T. Most people secure financing through conventional government back securities. But not everyone qualifies. Since 2015, borrowers are starting to realize the potential of a Non-QM loan.

5 Alternate Qualification Methods

Alternative qualifications include bank statements, asset depletion, real estate current and future asset value, and DSCR.

6 Loan Types

Perm, Fixed Rate, Fix and Flip, Construction, BRRRR, Long Term Rental, Short Term Rentals.

7 People Who Benefit

For now, we are able to serve real estate investors seeking alternative qualification methods in order to finance non-owner occupied properties. In 2023, we will be able to support owner-occupied properties. Typical borrowers are small business owners, recent bad credit, > 10 rental units, interest only payments, and foreign nationals. If you have questions on whether you qualify for a QM loan, our pre-qualification engine can help you.

50 States

We can assist investors seeking financing for non-owner occupied territories in all 50 states. For owner occupied territories, we can assist you in the following states for now - AZ, CA, CO, FL, GA, ID, OH, OR, SC, TN, TX, VA, WA, WY.

Free leads. Streamlined origination.

For Brokers

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lead generation for non-m brokers

➞ Looking to expand lead generation?

➞ Spending hours calling lenders in your network?

➞ Can't keep up with rates, guidelines, and exceptions?

➞ Looking to expand lender network?

➞ Manually downloading and uploading applications?

Increase Volume. Minimize expenses.

Free Leads.

Fully Automated.

API Integrations.

Fully automated non-qm origination Host IO

Free leads. Expanded network.

For Lenders

non-qm lenders
Free qualified leads for non-qm lenders host io
  • Looking to expand lead generation?

  • Looking to expand broker network?

  • Pining for educated brokers?

  • Need an easier way to update brokers with daily changes?

  • Need a rollout strategy for new loan programs?

Calculated. Educated. Facilitated.

Free Leads.

Expert Brokers.

Less Errors.

Fully automated non-qm origination Host IO
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Pre-Qualify in

15 mins!

We have a team of expert brokers and first-rate lenders ready to expedite your application. If you have any questions, don't hesitate to reach out!

Simplifying Non-QM loans!

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