What NON-QM loan options are available in California?

California borrowers have access to Bank Statement Loans, DSCR Loans, Asset Depletion, Jumbo NON-QM, Foreign National loans, and HELOC/HELOAN products. These programs are designed for self-employed individuals, real estate investors, and high-net-worth clients who may not qualify for traditional mortgages.

What is the maximum loan amount for California NON-QM loans?

NorthStar Funding offers NON-QM loans up to $3.5 million in California. For high-value properties in markets like San Francisco, Los Angeles, and Orange County, our Jumbo NON-QM programs provide flexible qualification options.

Can I get a NON-QM loan in California with a credit score below 700?

Yes, many of our California NON-QM programs accept credit scores starting at 620. We also offer credit-challenged loan options for borrowers working to improve their credit while still achieving homeownership.

(800) 917-1595

NMLS #139369

California

California NON-QM Mortgage Specialist

Serving California's diverse borrowers with specialized mortgage solutions. From Silicon Valley tech entrepreneurs to LA entertainment professionals, we close loans that traditional banks can't.

NMLS #139369

127+ Five-Star Reviews

30+ Years Experience

California by the Numbers

$3.5M

Max Loan Amount

620

Min Credit Score

Days to Close

50+

CA Closings/Year

NON-QM Loan Programs for California

Specialized mortgage solutions designed for California's unique real estate market and diverse borrower profiles.

Bank Statement Loans

Perfect for California's self-employed entrepreneurs and tech workers

12 & 24 month programs
Up to $3.5M
Credit from 620

DSCR Loans

Finance investment properties based on rental income in high-demand CA markets

No income verification
Unlimited properties
1.0+ DSCR ratio

Asset Depletion

Qualify using liquid assets - ideal for Bay Area and LA high-net-worth clients

No employment required
Use stocks, bonds, retirement
Up to $3.5M

Jumbo NON-QM

High-balance loans for California's expensive real estate markets

Loans over $766,550
Alternative documentation
Investment properties

Foreign National

Serving California's international buyers and investors

No SSN required
ITIN accepted
Investment & primary

HELOC & HELOAN

Access your California home equity with flexible options

All income types accepted
Up to 90% CLTV
Fast approval

California Markets We Serve

From the Bay Area to Southern California, we understand local market dynamics and tailor our solutions accordingly.

Los Angeles

Pop: 3.9M•Avg Home: $950K

San Francisco Bay Area

Pop: 7.7M•Avg Home: $1.4M

San Diego

Pop: 1.4M•Avg Home: $875K

Sacramento

Pop: 525K•Avg Home: $520K

Orange County

Pop: 3.2M•Avg Home: $1.1M

San Jose / Silicon Valley

Pop: 1.0M•Avg Home: $1.5M

Recent California Closings

Real deals we've closed for California borrowers that traditional banks turned down.

$2.8M

Beverly Hills, CA

Bank Statement

Entertainment industry professional

$3.2M

Palo Alto, CA

Asset Depletion

Tech executive with stock options

$1.4M

San Diego, CA

DSCR

Multi-unit investment property

$2.1M

Newport Beach, CA

Jumbo NON-QM

Self-employed business owner

Ready to Get Started in California?

Get your personalized NON-QM loan quote in 60 seconds. No credit check required.