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Join date: May 23, 2022

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Many people today have incomes that fluctuate, such as self-employed business owners, hospitality workers, and retirees. This is where non-QM fills the gap, by providing flexible underwriting guidelines for responsible consumers with unique income circumstances. Non QM is also valuable for the consumer who has had a ding on their credit like bankruptcy or past delinquent debt that caused their credit score (FICO) to go down below agency guidelines.

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