Non-QM lending · Minnesota & Wisconsin
The bank said no?
They read the wrong documents.
Self-employed. Investor. 1099. Asset-rich. Your income is real — it just doesn't fit a W-2 checkbox. Joe Juliano matches how you actually earn to one of nine non-QM programs, most with zero tax returns required.
Sound familiar?
Four people the bank turned away.
None of them should have been.
The write-off pro
Runs a healthy business, but the Schedule C says otherwise — because their CPA is good at their job.
Bank statements fix this →The scaling investor
Hit the conventional property cap, or just tired of re-documenting their life for every rental.
DSCR fixes this →The commission earner
Big 1099s, lumpy months, and a tax return engineered to show as little as legally possible.
1099 loans fix this →The early retiree
Seven figures in the brokerage account and "no income" — according to a formula built for paystubs.
Asset qualifier fixes this →The non-QM difference
Same house. Same closing table.
Different paperwork.
Non-QM loans aren't a workaround — they're fully underwritten mortgages that document your ability to repay with the paperwork that actually describes your life.
- 1
Tell Joe how you earn
Business owner, investor, contractor, retiree — one text starts it.
- 2
Match the documentation
Bank statements, rent, 1099s, assets, or a CPA-prepared P&L — whichever tells your strongest story.
- 3
Close like any other loan
Appraisal, underwriting, clear-to-close, keys. The finish line looks exactly the same.
Nine ways to yes
Find the program built for how you earn
DSCR Loans
Investor loans where the rental income covers the payment. No personal income docs, no tax returns, no DTI.
Learn more →Bank Statement Loans
Qualify with 12–24 months of business or personal bank statements instead of tax returns. Built for the self-employed.
Learn more →1099 Income Loans
Qualify using 1–2 years of 1099 forms — no tax returns, no profit-and-loss gymnastics.
Learn more →P&L Statement Loans
Qualify with a CPA- or EA-prepared profit-and-loss statement — sometimes with no bank statements at all.
Learn more →Asset Qualifier Loans
Qualify from liquid assets — no employment, no income docs. Built for retirees and the asset-rich.
Learn more →ITIN Loans
Home financing for borrowers who file taxes with an ITIN instead of a Social Security number.
Learn more →Foreign National Loans
U.S. property financing for non-resident buyers — no U.S. credit, SSN, or U.S. income required.
Learn more →Interest-Only Loans
Pay only interest for an initial period to maximize cash flow — a strategy tool for investors and high earners.
Learn more →Bridge & Fix-and-Flip
Fast, short-term financing to buy, renovate, and exit — for flippers and buy-before-you-sell moves.
Learn more →No idea which one?
That's normal — the overlap is the point. Text Joe two sentences about your situation and he'll name the program.
💬 Text Joe →Typical non-QM program characteristics as of July 2026. Every investor sets its own guidelines, and they change without notice — treat everything on this page as a starting point, not a quote.
straight answers
Meet Joe
The guy who reads the file the bank wouldn't
Joe Juliano has spent 17 years in mortgage lending, and a lot of that time un-sticking files other lenders gave up on. Non-QM is his favorite kind of puzzle: real income, real assets, real deals — just paperwork that needs the right program behind it.
He's a Loan Officer with Fairway Home Mortgage in Eden Prairie, licensed in Minnesota & Wisconsin, and he answers his own texts.
Told “no” by a bank? Get a second opinion.
Most non-QM borrowers heard “no” somewhere else first. One text to Joe and you’ll know which program actually fits — no pressure, no jargon, no obligation.