Non-QM & Alternative Income Loans in Michigan
Custom non-conforming loan products tailored for unique financial situations and asset-rich borrowers.
Who This Loan Program Is Designed For
Real estate investors, high-net-worth individuals, foreign nationals, and business owners.
How Non-QM & Alternative Income Loans Works
Underwriting evaluates credit, income, and property appraisal under standard guidelines.
Key Benefits & Advantages
Qualifications & Borrower Guidelines
- Standard credit evaluation
- Verification of income & employment
- Sufficient assets for down payment
Typical Required Documentation
Example Scenario
"Contact Ramzi Faraj for a custom rate quote and scenario evaluation tailored to your specific timeline."
Frequently Asked Questions
What are the interest rates for Non-QM & Alternative Income Loans?
Rates vary depending on market conditions, credit score, down payment, and loan size. Contact Ramzi for a personalized rate lock quote.
Ramzi Faraj
Citizens State BankHave questions about Non-QM & Alternative Income Loans? Contact Ramzi for a personal mortgage scenario review.
Equal Housing Lender • Member FDIC
What Our Clients Say About Ramzi Faraj & Citizens State Bank
Real feedback from homeowners, investors, and clients across Michigan who trusted Ramzi with their mortgage journey.
Ready to Take the Next Step Toward Your Mortgage Goal?
Whether buying a second home, securing an investment property, or refinancing your current loan, Ramzi is here as your Mortgage Coach for Life.
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Schedule a Conversation
Pick a date and time that fits your calendar for a detailed mortgage strategy session.
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Ramzi Faraj — Citizens State Bank
Mortgage Coach for Life