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USA Private Money

Your Trusted Broker for Non-QM Loans

We believe that everybody should have access to funding for the purchase or refinance of their dreams.

What is a Non-QM Loan

A Non-qualified mortgage (Non-QM) is a home loan designed to help homebuyers and refinancers who can't meet the strict criteria of a qualifying mortgage for one reason or another:


Not every borrower fits easily inside traditional government criteria. Investors, foreign nationals, business owners, gig workers, and those who are self-employed, as well as borrowers with credit blemishes, such as foreclosures, low credit scores, or prior bankruptcies, may find it difficult to qualify for a conventional loan. This is where a Non-QM Loan can be helpful. A Non-QM loan will have different underwriting guidelines than conventional or government-backed loans. Non-QM loan lending guidelines follow regulatory guidelines while considering a borrower’s Ability to Repay (ATR), according to the loan’s terms. This includes cash flow through personal or business bank accounts.


NON Qm Loan-1

Who are Non-QM Loans for?

Most often, we find borrowers are in one of three situations that best fit a Non-QM loan:


  • Self-employed borrowers with a lot of income tax write-offs
  • Borrowers with credit blemishes
  • Investors wishing to purchase rental or vacation home properties


ITIN Borrower

Self Employed


Previous Credit Event


Every person has a story. Our non-QM LENDERS help more borrowers achieve their dreams

Non-QM Loans – Programs


Only bank statements are required for this type of Non-QM loan. Alternative documents accepted for self-employed borrowers.


For investors seeking to grow their portfolios. We cater even to lower DSCRs


The non-QM Near Miss Jumbo mortgage program is a competitively priced product for borrowers who just miss qualifying under Prime Jumbo guidelines. Stop losing funding because other lenders only offer Prime Jumbo. Our Near Miss Jumbo loan allows our clients to help more Jumbo borrowers


We help facilitate 1099, Asset-based loans, Full Doc, Credit Event seasonings, PNL Statement Loans, etc. Talk to us today to find an alternative product for you as a business owner!

WHY our Non-QM Loans are THE BEST!

Knowledgable Team

Quicker Turn Times

Easy Loan Process

We offer a wide range of Non-QM programs to ensure you get the loan YOU need. Find your next loan solution at USA Private Money!

But Don't Take Our Word For It

Don’t believe it? Hear from our clients instead:

Jason-Powell New

Jason Powell

Google 5-Star Review

I have known Scott Brown with USA Private Money since 2014. As an attorney and real estate investor I can tell you Scott has funded 100's of loans over the years...he is an industry expert at getting non-traditional loans funded.

Clint St. Martin

Clint St. Martin

Google 5-Star Review

I don’t usually leave reviews but USA Private Money is run by a gentleman by the name of Scott and I feel the need to share my experiences with this man’s business. Every interaction feels like you have a friend on the other end of the line. Scott responds immediately, provides great answers and options for challenging situations and if he doesn’t have a quick solution he seems to know someone else who can provide professional assistance in a timely manner. Every interaction has been productive and I have found this company offers some of the most competitive rates on the market. I’m new to the industry as an investor and not once have I felt embarrassed about asking a “dumb” question. Thank you for your honesty, transparency, and patience with me Scott. If you’re looking for a great lender I suggest giving this company a shot. I think you’ll be pleasantly surprised. I’ve gone through some local connections for loans before and they take much longer and can’t seem to beat USA Private Money’s rates and terms.


Laurissa Thompson

Google 5-Star Review

My husband and I were trying to get approved for a home loan for over a year. Scott met with us and said that he felt like he could get us approved. Within a week or so of working on our loan, Scott got us approved! He even helped us with any questions that my husband and I had after our approval. He was great to work with and we would highly recommend him to anyone!!

Lynette New

Lynette Weible

Google 5-Star Review

Scott at USA Private Money and his team were fantastic and literally got an impossible deal done!!!! I was told no one would do this loan but between Scott and his team, the loan funded today! Thank you all for your hard work and for saving my home!!!

Doug New Pic

Douglas Sheppard

Google 5-Star Review

I have known Scott Brown for several years and found him to be very knowledgeable in areas of funding for real estate. He is successful in obtaining funds for some clients who are looking around without success due to their seeking assistance in areas that rarely achieve what an investor is looking for. However Scott Brown does indeed achieve successful results for these clients that he can and does find the right funding source.


Kabbie Konteh

Google 5-Star Review

Scott and Mary at USA Private Money, LLC are exceptional. The experience and customer service they provided me was amazing. While I was on a 6 hour flight from NY to Seattle, they helped me fund a deal in record time and communicated with title. By the time my flight landed, my deal was funded and closing for my flip was scheduled. USA Private Money, LLC will always by my first stop for hard money loans from now on. Thank you Scott and Mary for all you do.

Contact Us To Talk About Your Situation Today


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Call Us at 480-660-4 USA(872) to talk about your situation