What if I don't qualify for a loan in

Los Angeles

San Diego

Long Beach

Anaheim

Santa Monica

Santa Ana

Santa Barbara

Huntington Beach

Malibu

Santa Clarita

Palm Springs

What if I don't qualify for a loan in

Los Angeles

San Diego

Long Beach

Anaheim

Santa Monica

Santa Ana

Santa Barbara

Huntington Beach

Malibu

Santa Clarita

Palm Springs

What is a Non-Qualified Mortgage?

A non-qualified mortgage (non-QM) is a home loan designed to help homeowners who don't meet the criteria of a traditional mortgage. For example, borrowers who have a low credit score, are self-employed or don't have all of the financial documents needed for traditional underwriting may want to explore a non-qualified mortgage as an option.

How to Get a Non-Qualified Mortgage Loan

A fair non-qualified mortgage loan is hard to find. Fortunately, Spyglass Lending offers lots of creative financing options that most other brokerages can’t.

Applying for a non-qualified loan is similar to applying for a traditional loan. The main difference is that the interest rate will be slightly higher. The good news is that you can refinance when you’re making a higher income, build your credit, or when your home has built some equity.

Don’t let restrictions stop you from getting what you want. If you don't meet the requirements of traditional financing, a non-qualified loan could be your answer.

Why Pick Us?

Unlike huge lending institutions, a great broker will get you the best deal–and much faster as well. To us, you’re not just some random number. We genuinely care about getting you the best loan and helping you close on your new home as soon as humanly possible.

What Our Amazing Clients Have to Say About Us!

Elizabeth Queen
Aaron Pfeffer and his dream team helped us get our perfect home seamlessly and tirelessly! Always were there to accommodate our needs and give us the best option to get our house. The process was the best experience and went faster than we ever anticipated. Aaron is the most genuine person that really cares about making sure you are taken care of. We are huge fans and couldn’t recommend using Spyglass more!!!
Sarah Kang
Aaron is honest, professional, and trustworthy. I am so pleased to be working with him! Highly recommend.
Haik Bokhchalian
Scott Rosenfeld
Excellent service! Incredibly knowledgeable and very helpful! Highly recommend.
D Ramser
Aaron has been incredibly knowledgeable and helpful with funding for my real estate projects in Los Angeles over the past five years. He was personally available at every stage of the process.
Josh Gorokhovsky
Aaron is my go-to guy for loans. He works around-the-clock, offers support when you need it, works a quick pace, is incredibly transparent, and we will continue doing business for a long time. Very happy to have him in my corner!
Evelyn Guardado
Aaron is very professional and always available when needed. Definitely recommend him!!
Carlos Echegaray
Aaron is a very smart, experienced and diligent lender, always attentive to details, my partner and I have closed business with him and he is always available and responds quickly to any request. This lender is highly recommended. A++++
Alvin Phung
I've been working with Aaron for the last 5+ years and he has always been upfront and honest. It's been a pleasure closing multiple loans with him. He has an organized process that makes it easy for all parties to do what they need to you to get to the finishline. Truly a professional! Highly recommend him.
Andrew Dinsky
Incredible service from start to finish. Aaron has done several loans for me and every time I have been impressed by his service. He's communicates very well and his pricing has been very fair. I will be using him for myself and referring clients his way.