Mortgage Monday - Non QM Loans
The David Greene Show
David Greene
5 • 653 Ratings
🗓️ 16 June 2025
⏱️ 22 minutes
🧾️ Download transcript
Summary
Summary
If you’ve ever heard the phrase “non QM loan” but had no idea what it meant, this episode is for you! David and Christian break down several popular non-QM loans and how they are best utilized while providing real life examples of borrowers of the one brokerage who put deals together using different loan products. If you want to see why so many have chosen The One Brokerage to finance their RE, and how they’re building wealth doing so, this episode is for you.
Chapters
00:00 Introduction to Non-QM Loans
01:17 Understanding DSCR Loans
05:04 Exploring Commercial Loans
07:00 Ideal Borrowers for DSCR Loans
08:30 The Concept of Bridge Loans
11:21 Home Equity Lines of Credit (HELOCs)
12:56 Fusion Loans Explained
14:43 Bank Statement Loans for Business Owners
17:45 Foreign National Loans Overview
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Transcript
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| 0:00.0 | Welcome to Real Talk Real Estate, the show where we cover how to build wealth in real estate with no fluff, no BS, and no sales pitches. |
| 0:07.1 | I'm David Green, and I've been doing this for over 10 years. I've seen the ups, the downs, and everything in between. |
| 0:12.8 | This is the show where we pull back the curtain and show it to you too. So if you want to build wealth through real estate or you just love learning about it. You found your home. What's going on, |
| 0:21.5 | everyone? This is Real Talk Real Estate. Welcome to Mortgage Monday. We're Christian Balshler and I, owners of |
| 0:26.6 | the one brokerage, breakdown what's going on in the mortgage industry today. We've got an interesting |
| 0:31.4 | show for you. We're going to rifle our way through different non-QM loans. |
| 0:38.3 | QM stands for, I believe, qualified mortgage. |
| 0:40.2 | Is that right, Christian? |
| 0:41.2 | That's correct. |
| 0:41.6 | Which is basically government insured Fannie Mae, Freddie Mac loans. |
| 0:45.6 | Everybody looked at those like the safe loans and the other loans were the bad loans because during the last mortgage crash, they created regulation for the safe loans, |
| 0:56.4 | but not for the non-government, non-QM loans. Well, things are a little bit different today |
| 1:01.3 | where a lot of those lending standards do apply to other loans. And lenders are a lot more |
| 1:06.3 | careful with who they give their money, too. So we're going to talk about loans that you may |
| 1:09.4 | have never heard about before that just might be good for you or someone you love. So we're going to talk about loans that you may have never heard about before that just |
| 1:11.8 | might be good for you or someone you love. |
| 1:14.0 | So you're going to walk away educated and hopefully reach out to us when you want to buy a house |
| 1:17.8 | and we'll help you figure out if a conventional loan or a non-conventional, aka non-QM loan, |
| 1:23.1 | is best for you. |
| 1:24.6 | Christian, how are you today? |
| 1:26.4 | I'm good. |
| 1:27.2 | It's kind of a fun summary, right? I feel like these are things that we've |
... |
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