Whether you’re buying a home or refinancing, Equinox Home Financing offers flexible Non‑QM purchase and refinance loan options designed for borrowers who don’t fit traditional mortgage guidelines. Our programs are ideal for self‑employed buyers, investors, or anyone with complex income streams who prefers not to provide tax returns or standard income verification.

Many Non‑QM borrowers have significant write‑offs that reduce their taxable income on paper, making it difficult to qualify for conventional financing. With our alternative documentation programs, we qualify you based on real financial strength—not traditional income requirements—so you can purchase or refinance without providing tax returns, W‑2s, or pay stubs.