#self-employed-borrowers

#self-employed-borrowers

The non-qualified mortgage market has experienced significant growth since its introduction nearly a decade ago. 10 years in, credit ratings agencies regularly release performance metrics for investors, which provide remarkable insight into this extremely versatile asset class. In a recent default study on non-QM performance over the years, for example, KBRA analysts note that non-QM loans faced tremendous macroeconomic uncertainties, from the recent era of high interest rates to the COVID-19 lockdowns, and yet continue to perform above and beyond expectations.

With self-employed individuals making up over 10% of the U.S. workforce and having four times the median net worth of traditionally employed families, we're committed to revolutionizing how lenders evaluate these borrowers.