A non-qualified mortgage (non-QM) is a property loan that has been created to help borrowers designed to help borrowers who can't meet the strict criteria of a qualifying mortgage. So if you are self-employed or have credit blemishes or don’t qualify for a conventional or agency mortgage for some reason, then you can go for a <a href="https://usaprivatemoney.com/non-qm-loans/&quot; rel="nofollow"><strong>Non QM mortgage loan</strong></a> instead.