Non-QM Jumbo Loan Documentation
When Others Say No... We Say YES.
We Shop, You $ave
For Non-QM jumbo loans over $1 million, underwriting is asset- and cash-flow driven, not W-2 dependent. We start with a light document review to determine the best lender and structure before we order appraisals or credit.
What Documents Do I Need?
Documentation requirements vary by property type
"For a primary residence, we'll need basic identification, bank statements to confirm assets and reserves, and a clear picture of how income is generated. Non-QM allows flexibility — including bank-statement income, asset-depletion, or 1099 income — without traditional tax returns."
Key Underwriting Focus:
Stability of Assets
Consistent account balances and reserves
Ability to Repay
Income verification via bank statements or 1099s
Occupancy Intent
Primary residence confirmation
Required Documents:
Photo ID (Driver's License or Passport)
12-24 months personal and business bank statements (all pages)
Most recent investment/retirement account statements
Proof of down payment source (gift letter if applicable)
Purchase contract (if applicable)
Current mortgage statement (if refinancing)
Property insurance declarations page
Why Pacific Rate?
Organized & Institutional-Level
We position your loan for success with meticulous documentation and presentation
Reduced Back-and-Forth
Clear documentation requirements from day one save time for high-net-worth clients
Accelerated Timeline
From pre-approval to clear-to-close in record time with proper preparation
Lender Confidence
Strong relationships with private banks and portfolio lenders nationwide
Ready to Start Your Non-QM Jumbo Loan?
Contact Pacific Rate today for a free consultation. Our Non-QM specialists will guide you through the process and help you prepare the right documentation for a smooth approval.
Email: Support@pacificrate.com
For immediate attention email to: kiani105@yahoo.com
CA NMLS #329956 | CA Real Estate Broker License #01730065
