What NQM Funding does

NQM Funding, LLC is a nationwide non-qualified mortgage (NonQM) wholesale lender headquartered in Boca Raton, Florida, founded in 2023. The company originates NonQM residential and business-purpose mortgage loans exclusively through approved wholesale brokers and correspondent lenders, holding lending licenses across 45+ states and jurisdictions under NMLS# 75597 (formerly operating as Premier Mortgage Associates). Its product portfolio spans twelve programs organized around the Flex family (Flex Supreme, Flex Select, Flex Second Lien, Flex Investor DSCR, Flex Foreign National) plus DSCR-focused programs (DSCR Supreme, Investor DSCR Multi), Super Jumbo, ITIN, Bank Statement, P&L-Only, and a 2/1 Temporary Buydown add-on, addressing borrower segments that cannot qualify under agency guidelines — self-employed borrowers, real estate investors, foreign nationals, ITIN holders, professional consultants, and high-net-worth purchasers.

The business operates with no proprietary core technology platform disclosed; broker and correspondent onboarding, pricing access, and partner management are handled through the third-party Loanscape platform, with marketing and broker enablement supported by a website containing product information, state-targeted blog content, webinars, how-to videos, and quote/prequalification tools. The company earns revenue by originating and selling NonQM loans to investors (whole loan sales and securitization), capturing gain-on-sale margin plus interest income on warehoused loans; pricing is quote-based and not publicly disclosed. Customer-facing channels are limited to digital properties targeting mortgage professionals, with all loan production routed through the wholesale broker and correspondent channels rather than direct-to-consumer origination.

Operationally, NQM Funding is led by President & Owner Tony Acquaviva, with senior leadership sourced from Flagstar Bank, Reliant Bank, Goldman Sachs, HSBC, UBS, JPM Chase, and other mortgage banking institutions, providing deep NonQM, capital markets, and securitization expertise. The company carries Equal Housing Lender designation and WCAG 2.0 website accessibility compliance, and is privately held with no disclosed external equity, debt, or parent company.

Name

NQM Funding

Legal name

NQM Funding, LLC

Website

https://nqmf.com

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

101–250 employees

Short description

NQM Funding, LLC is a nationwide NonQM (non-qualified mortgage) wholesale lender headquartered in Boca Raton, Florida, originating loans through approved brokers and correspondent lenders across 45+ states. It serves self-employed borrowers, real estate investors, foreign nationals, and ITIN holders via a 12-product portfolio including DSCR, bank statement, P&L, and super jumbo programs.

Ownership category

akta.pro rank

Product category

Non-QM Wholesale Mortgage Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Non-QM & Specialty Wholesale Lending (Bank Statement/DSCR/Alt-Doc) (FSALACAD)

akta.pro secondary industries

Non-QM / Alternative Documentation Mortgage Origination (FSALAAAJ), Mini-Correspondent / Table Funding Programs (FSALACAC)

Keywords

• Non-QM mortgage lending
• Wholesale mortgage lender
• DSCR investor loans
• Bank statement loans
• Foreign national mortgages

Headquarters

HQ city

Boca Raton

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Mortgage Lending Revenue: NQM Funding generates revenue through originating and selling non-qualified mortgage loans. As a wholesale lender, they provide loans through brokers and correspondents, earning interest income on originated loans before selling them to investors. The company offers various non-QM products including DSCR loans, bank statement loans, P&L loans, foreign national loans, and ITIN programs.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

NQM Funding, LLC is a nationwide wholesale and correspondent non-qualified mortgage (Non-QM) lender that originates and sells Non-QM loan products through approved mortgage brokers and correspondent lenders. The company offers a comprehensive portfolio of programs including the Flex family (Flex Supreme, Flex Select, Flex Second Lien, Flex Investor DSCR, Flex Foreign National), DSCR programs (DSCR Supreme, Investor DSCR Multi), Bank Statement Loans, P&L-Only Loans, Super Jumbo, ITIN, and 2/1 Temporary Buydown, serving borrowers who cannot qualify for conventional financing.

Product overview

NQM Funding, LLC is a nationwide Non-QM (Non-Qualified Mortgage) wholesale lender offering a comprehensive portfolio of loan products through wholesale and correspondent channels. The product lineup centers around the Flex product family (Flex Supreme, Flex Select, Flex Second Lien, Flex Investor DSCR, Flex Foreign National) supplemented by specialized programs including DSCR products (DSCR Supreme, Investor DSCR, Investor DSCR Multi), Super Jumbo, ITIN, 2/1 Temporary Buydown, Bank Statement Loans, and P&L-Only Loans. These products serve diverse borrower segments including investors (via DSCR programs), self-employed professionals (via Bank Statement and P&L programs), international borrowers (via Foreign National and ITIN programs), and high-net-worth borrowers (via Super Jumbo). The company operates exclusively through approved brokers and correspondents via platforms like Loanscape.

Differentiator

Problem solved

Functional benefit

Brands

• NQM Funding: Nationwide non-qualified mortgage wholesale lender offering Non-QM loan products including Flex Supreme, Flex Select, Flex Investor DSCR, Flex Foreign National, and various other programs.

Products and services

• Flex Supreme Top-tier Non-QM loan program offering the best pricing for the most qualified borrowers with very stable employment, income, and assets history and no credit challenges. Distributed through approved wholesale brokers.
• Flex Select Non-QM loan solution with LTV up to 90%, wide loan amount range, and full and alternative documentation options (bank statements, 1099, P&L) for self-employed borrowers who do not fit agency guidelines.
• Flex Investor DSCR One-to-four family business-purpose Non-QM loan program for real estate investors using market rent or lease agreements for streamlined income verification, with 640 FICO and flexible LTV thresholds.
• Flex Foreign National Non-QM program designed for international (non-U.S. citizen) borrowers authorized to live in the U.S. on a temporary basis, offering a clear path to financing without standard U.S. documentation.
• Flex Second Lien Closed-end second-lien Non-QM program allowing borrowers to access up to 85% CLTV with loan amounts from $125K to $500K for purchase or cash-out, with full or alternative documentation options.
• DSCR Supreme Competitively priced DSCR option for highly credit-qualified investors financing one-to-four family investment properties as business-purpose loans.
• Investor DSCR Multi Non-QM DSCR program for mixed-use properties with up to 75% LTV and loan amounts from $250K to $3M, designed for borrowers with at least one year of real estate ownership and management experience.
• Super Jumbo Specialty Non-QM product for high-net-worth borrowers with strong, stable income and credit and significant assets for down payment, closing costs, and reserves, secured by prime real estate in prime markets.
• ITIN (Individual Taxpayer Identification Number) Loans Non-QM program for borrowers with an ITIN, including DACA recipients, who report taxes from passive income sources and are not employed in the U.S., providing a path to financing without standard W-2 employment.
• Bank Statement Loans Non-QM loan programs that qualify self-employed borrowers using personal or business bank deposits rather than relying primarily on tax returns.
• P&L-Only Loans Non-QM loan programs for self-employed borrowers that evaluate business performance using a profit and loss statement instead of relying primarily on tax returns.

Quantifiable outcome

• Quick loan closings with timely service

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• LoanscapecoreTechnology or IntegrationLoanscape serves as the primary technology platform for NQM Funding's broker and correspondent onboarding process. All approved brokers and sellers must sign up and complete their profiles through Loanscape's digital platform to access NQM Funding's non-QM products and pricing.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Lakeview Capital (Lakeview Loan Servicing): Lakeview is a wholesale and correspondent non-QM and specialty lender, with strong positioning in non-QM, jumbo, and DSCR products distributed through brokers — comparable to NQM Funding's wholesale/correspondent hybrid model.
• Deephaven Mortgage: Deephaven Mortgage is a non-QM wholesale lender offering DSCR, bank statement, foreign national, and other alternative documentation programs through a broker network — overlapping closely with NQM Funding's Flex and DSCR product families.
• Verus Mortgage Capital: Verus Mortgage Capital is a non-QM wholesale and correspondent lender with a broad product suite including DSCR, bank statement, and foreign national programs — a near-direct competitor to NQM Funding across product, channel, and borrower segments.
• Angel Oak Mortgage Solutions: Angel Oak Mortgage Solutions is one of the largest non-QM wholesale lenders in the U.S., offering agency, non-QM, and jumbo products through a wholesale broker channel — directly comparable to NQM Funding's wholesale non-QM positioning.
• Plaza Home Mortgage: Plaza Home Mortgage operates a wholesale and correspondent lending channel with non-QM products including bank statement, DSCR, and foreign national programs — directly comparable to NQM Funding's product and channel mix.
• A&D Mortgage: A&D Mortgage is a wholesale non-QM lender with products spanning DSCR, ITIN, foreign national, bank statement, and jumbo — directly comparable to NQM Funding on channel (wholesale), borrower segments, and product breadth.
• Roc Capital: Roc Capital is a non-QM wholesale and correspondent lender with programs for non-traditional borrowers, investors, and foreign nationals — a direct channel and product competitor to NQM Funding's wholesale Flex and DSCR programs.

Broad incumbents

• NewRez (formerly New Penn Financial): NewRez operates a large retail and wholesale mortgage business with a dedicated non-QM division (NewRez Non-QM), competing with NQM Funding in wholesale non-QM origination while offering much broader product and channel breadth.
• Caliber Home Loans: Caliber is a large non-bank mortgage originator with a meaningful non-QM wholesale division alongside agency and retail — a broader incumbent that competes with NQM Funding in the non-QM wholesale channel while also offering agency products.
• Greystone: Greystone is a diversified commercial and residential real estate finance platform with non-QM and DSCR mortgage offerings; while it serves multiple real estate segments, its non-QM programs overlap directly with NQM Funding's investor and self-employed products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/NQMFunding
• LinkedInlinkedin.com/company/nqmfunding

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about NQM Funding