If tax returns, W-2s, or conventional income rules have kept you from a mortgage, you have options. Explore eight flexible non-QM programs with Jimmy Nadeau — serving self-employed buyers, investors, and borrowers across Orlando & Central Florida.
Not every great borrower has a neat, conventional income story. If you're self-employed, an investor, a retiree, or living abroad, non-QM loans use the real signals of your financial strength — deposits, assets, cash flow, and employment — instead of box-ticking tax returns.
A non-qualified mortgage (non-QM) is a loan that doesn't meet the CFPB's standard “qualified mortgage” rules, usually because it verifies income in a different way or allows a higher debt-to-income ratio. Don't confuse non-QM with the old “subprime” loans — today's non-QM loans are fully documented, tightly underwritten, and carry meaningful consumer protections, including the ability-to-repay requirement.
They exist for one simple reason: you can afford the loan even if your tax returns don't say so.
Jimmy Nadeau at CrossCountry Mortgage in Winter Park, FL works with borrowers across Orlando and Central Florida — and far beyond. Here's what's on the menu:
Qualify using 12–24 months of bank deposits — no tax returns needed.
Learn more →Qualify on a rental property's cash flow — not personal income.
Learn more →Finance a U.S. property from abroad — no U.S. credit or SSN required.
Learn more →Full documentation with flexibility on DTI, loan amount, and credit history.
Learn more →Strong revenue and healthy deposits, but deductions shrink your taxable income.
1099 income that traditional underwriting struggles to count.
Rental portfolios that cash-flow — even if your personal income is modest.
Significant assets but little or no “income” on paper.
Buying U.S. property without U.S. credit history or a Social Security number.
A recent bankruptcy, short sale, or foreclosure — with time to heal.
Heads up: Non-QM rates and costs are typically higher than conventional loans because of the added flexibility and risk. The trade-off is qualifying when you otherwise couldn't. Jimmy will walk you through the real numbers.
Jimmy Nadeau is a Senior Loan Officer with CrossCountry Mortgage — America's #1 Retail Mortgage Lender and the #1 retail mortgage lender in non-QM volume ($3.48B, Scotsman Guide 2025). That scale means access to programs most loan officers can't offer, and a local Winter Park advisor who picks up the phone.
Straight answers to the questions borrowers ask most. Your loan officer is always your best resource for your specific situation.
Jimmy will review your situation and point you to the right non-QM loan — no jargon, no pressure.
Jimmy Nadeau Senior Loan Officer
CrossCountry Mortgage · Branch #3982 · Winter Park, FL
147 E Lyman Avenue, Suite D & C-1, Winter Park, FL 32789
NMLS #2102442
CrossCountry Mortgage, LLC · NMLS #1444822 · Equal Housing Lender
This page is for informational purposes and is not a commitment to lend. Program availability, guidelines, rates, and terms vary and are subject to change. Your rate may vary. Terms apply.