Flexible Financing Beyond Traditional Guidelines
Non-QM (Non-Qualified Mortgage) loans are designed for borrowers who may not fit into the strict requirements of conventional mortgage programs. These loans are perfect for those with unique financial situations, such as self-employed individuals, investors, or those with recent credit challenges.
Alternative Income Verification Options
Unlike traditional loans that require W-2s or tax returns, Non-QM loans allow alternative methods of verifying income. Options include bank statements, 1099 forms, or even asset-based qualifications, giving you more pathways to secure the financing you need.
Ideal for Investors and Self-Employed Borrowers
Non-QM loans are a powerful tool for real estate investors, entrepreneurs, and business owners whose financial profiles don’t fit the “one-size-fits-all” mold. Whether you’re expanding your investment portfolio or purchasing a new home, these loans provide flexibility without unnecessary roadblocks.
Experience the Difference with Platinum Capital Advisors
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Every borrower’s journey is unique. That’s why we tailor loan solutions—whether it’s FHA, VA, Jumbo, or investment loans—to match your personal goals.
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We walk you through every step of the process, making sure you feel confident and informed from application to closing.
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With a presence across New York, New Jersey, Florida, Tennessee, and North Carolina, we combine national resources with local insight to give you an edge.
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At Platinum Capital Advisors, our goal is to build lifelong relationships by being a trusted partner for all your homeownership and investment needs.
Competitive Programs with Greater Freedom
With Non-QM loans, you can access higher loan amounts, finance a variety of property types, and take advantage of flexible credit requirements. This program empowers borrowers to achieve their goals without being limited by conventional loan standards.
Why Choose Platinum Capital Advisors
Choosing the right mortgage partner can make all the difference. At Platinum Capital Advisors, we combine industry expertise, personalized service, and a wide range of loan options to help you achieve your goals with confidence. Licensed in New York, New Jersey, Florida, Tennessee, and North Carolina, our team understands the local markets and provides solutions tailored to your unique needs—whether you’re a first-time homebuyer, refinancing, or expanding your investment portfolio. With us, you’re not just getting a loan; you’re gaining a trusted partner dedicated to making your journey smooth, transparent, and successful.
We are known for
Personalized Mortgage Solutions
Diverse Financing Options
Fast & Transparent Process
Comprehensive Loan Programs
"FAQs"
We offer a wide range of programs including FHA, VA, Conventional, Jumbo, DSCR, Fix & Flip, Renovation Loans, Bank Statement Loans, Non-QM, USDA, Reverse Mortgages, Adjustable Rate Mortgages, Purchase Loans, and Refinance options.
Not at all. Many of our programs, such as FHA, VA, and Non-QM loans, are designed for borrowers with lower credit scores or unique financial situations. We’ll work with you to find the best option for your circumstances.
We are licensed in New York, New Jersey, Florida, Tennessee, and North Carolina. Within these states, we serve areas like the Hudson Valley, Long Island, Bergen County, Miami, Nashville, Charlotte, and more.
Our team will evaluate your financial goals, income, credit history, and property type to recommend the loan program that fits your needs best. We believe in personalized solutions, not one-size-fits-all lending.
The timeline can vary depending on the loan type and your unique situation, but most loans close within 30–45 days. We focus on a smooth, efficient process with clear communication every step of the way.
Building Your Future with Platinum Capital Advisors
At Platinum Capital Advisors, we believe every client deserves a clear path to achieving their homeownership and investment goals. Whether you’re purchasing your first home, refinancing for better terms, or exploring real estate opportunities, our wide range of loan programs ensures the right fit for your needs. With licensing across New York, New Jersey, Florida, Tennessee, and North Carolina, we combine trusted expertise with personalized guidance to make your mortgage experience simple, stress-free, and rewarding.
