Flexible lending for unique borrowers.
Learn more about Non-QM mortgages.
Are you considering a Non-QM mortgage?
Element Mortgage was built on a simple belief:
Every borrower deserves a local expert backed by a lender with national resources.
If so, you may have questions like:
- What is a Non-Qualified Mortgage and how is it different from conventional loans?
- Can a Non-QM loan help a self-employed borrower or investor who doesn’t fit standard documentation?
- What benefits and risks come with a Non-QM solution?
Our Non-QM team has the expertise to help you navigate these loans and choose the right path.


Is a Non-QM Loan Right for You?
- Are you self-employed, own investment properties, or have alternative income documentation needs?
- Do you need more flexibility than a traditional mortgage allows?
- Are you looking for tailored lending to match a unique financial profile?
- Do you want a lender who can explain Non-QM programs, guide you clearly and move quickly?
If yes, then you might be just the right candidate for a Non-QM loan with Element.
Element Mortgage Certified Non-QM Loan Officers

Zach Starnes
NMLS 2099873
Regional VP / Director of Non-QM Lending

Brandon Head
NMLS 2186652
Loan Officer

Bryan Cortes
NMLS 2243874
Loan Officer

