Self-Employed & Non-QM Mortgages in Phoenix
If your tax return understates how you actually earn, a Conventional file will fight you. Non-QM is the structure for that — not a last resort.
Giancarlo Anduray (NMLS 1537433) builds one Non-QM conversation covering three documentation paths. They are variants of the same program family, not three loan types.
Bank statement
12 or 24 months of deposits instead of a 1040. Built for self-employed Phoenix and Glendale borrowers whose returns do not tell the full income story.
DSCR
The property’s rent covers the debt. Used for investors. This is a Non-QM documentation path — not a separate loan-type page.
Single-page P&L
CPA-prepared profit-and-loss when statements and returns disagree. Same Non-QM family as bank statement and DSCR.
Who this is for
- Self-employed Phoenix / Glendale buyers and refinancers
- Investors who want DSCR instead of personal DTI
- Borrowers catching up on tax filings
- Foreign-national and ITIN files that need a Non-QM overlay
What we still check
Credit, reserves, property type, and occupancy still matter. Non-QM is more flexible on income documentation, not a skip-underwriting product.
Mortgage + tax planning
Pair this with Mi Casa Tax Advisors so the loan structure and the return are not working against each other.
Haven’t filed?
Missing returns do not automatically kill a purchase. See I haven’t filed my taxes — can I buy a house?
Next step
Giancarlo Anduray, NMLS 1537433 · AFM Lending, powered by PMR · Premier Mortgage Resources NMLS #1169
4733 W Thomas Rd Ste 5, Phoenix, AZ 85031 · 623-552-4191 · Hablamos Español
Why Choose Giancarlo
A strategy-first mortgage team serving the Valley.
AFM Lending has funded more than $100 million and served over 250 clients — with honest advice and a personal commitment to every client guiding you from the first call straight through to closing day.
Giancarlo secures the most competitive mortgage rates available saving you money every month and over the full life of your loan.
Giancarlo offers free, no-obligation consultations to every client so you can explore your options without any pressure or upfront cost.
Giancarlo monitors your loan long after closing keeping you informed about refinancing opportunities and market changes that could benefit your financial future.
Giancarlo is always available to answer your questions providing dedicated, around the clock support throughout every stage of your mortgage journey.