Flexible Financing Beyond Traditional Boundaries
Non-QM Loans are designed for borrowers who may not meet standard lending criteria but still deserve access to quality mortgage solutions. Whether you’re self-employed, have unique income sources, or need alternative documentation, Mendenhall Mortgage offers Non-QM options tailored to your situation.
Alternative Documentation, Real Solutions
With Non-QM loans, we can use bank statements, asset depletion, 1099s, or rental income to qualify you. This flexibility opens the door for entrepreneurs, real estate investors, and those with non-traditional financial profiles. We simplify the process with transparency and expert guidance.
Credit Challenges? We’re Here to Help
Even with past credit issues or high debt-to-income ratios, a Non-QM loan may still be an option. Our team evaluates your full financial picture to determine the best path forward—offering realistic lending solutions without the rigid rules of conventional loans.
Experience the Mendenhall Mortgage Advantage
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Tailored loan solutions for every financial situation
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Fast, responsive service from experienced professionals
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Competitive rates with flexible program options
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Local expertise in Utah, Florida, and Colorado
Personalized Lending Backed by Experience
At Mendenhall Mortgage, we’re experienced in structuring Non-QM loans that align with your goals. Whether you’re investing, refinancing, or purchasing, we deliver innovative products that empower your journey toward homeownership—no matter how unique your financial story may be.
Why Choose Mendenhall Mortgage?
Choosing the right mortgage partner can make all the difference—and at Mendenhall Mortgage, we’re committed to being that difference. With a focus on personalized service, clear communication, and unmatched loan expertise, we guide you through every step of the home financing journey. Whether you’re buying, building, or refinancing, our team works with integrity, speed, and care to ensure you get the right loan at the right time. We don’t just close deals—we build lasting relationships built on trust, value, and results.
We are known for
Personalized service with a client-first approach
Deep expertise in Utah, Florida, and Colorado markets
Fast, transparent, and stress-free loan processing
Diverse loan programs tailored to unique borrower needs
"FAQs"
We offer a wide range of mortgage programs, including Conventional, FHA, USDA, Jumbo, Construction, DSCR, Non-QM, Refinance, and Reverse Mortgages. Our team will help match you with the right loan based on your financial goals and property type.
During your consultation, we’ll assess your income, credit, goals, and homeownership plans to recommend the best loan options. We make the process simple, educational, and tailored to your situation.
A pre-qualification gives you an estimate of what you might be able to borrow, while a pre-approval is a more detailed process that involves verifying your income, credit, and documentation. Pre-approval gives you stronger negotiating power when shopping for a home.
Yes! We specialize in solutions for self-employed borrowers through bank statement and Non-QM loan programs. We review your financial profile beyond just tax returns to help you qualify.
The typical mortgage process takes 21 to 30 days from application to closing, depending on the loan type and complexity. Our team works efficiently to keep your loan moving forward and ensure a smooth experience.
Your Journey. Our Commitment.
At Mendenhall Mortgage, we’re more than just a lender—we’re your trusted guide in the home financing process. From understanding your goals to securing the right loan, we’re committed to making every step smooth, transparent, and personalized. Whether you’re buying your first home, building your dream property, or refinancing for a better future, we stand beside you with expert support and unwavering dedication.
