NonQM Verfi – NonQM Self-Employment Verification & Business Validation

★★★★★ 5-Star Rated NonQM Self-Employment Verifications & P&Ls.

NonQMVerifi (Powered by CTEC Teams at USTaxCerts) is a 5-star reviewed NonQM self-employment and business verification platform built by experienced NonQM professionals to solve the industry’s #1 deal killer:  CPA friction.

Solving CPA Letter Friction in NonQM Lending

How “CPA friction” stalls solid NonQM loans:

• CPA’s refuse to cooperate with lender requests for self-employment and/or business verifications.
• National tax firms prohibit employees from providing mortgage verification letters.
• Self-employed borrowers’ self-file their taxes and have no tax professional available.
• CPA’s provide letters but won’t use the lender’s required format or remove restrictive “CYA” language.
• Lender’s specific tax-professional requirements don’t match the borrower’s situation.

NonQMVerifi was built specifically to solve all these deal killing scenarios.

NOTE:  We are NOT a tax firm that jumped into NonQM. We’re NonQM professionals (Carrington, AngelOak, Kind Lending) who built the validation infrastructure to solve the problem we experienced daily in almost 2 decades of NonQM lending.

NonQMVerifi supports NonQM production and operations teams. We are the source needed to satisfy the federal requirement for independent, third-party, IRS licensed verifications.  And as always, the lender retains full approval authority.  (Year over year we remain at a consistent 95-94% success rate / 5-6% refund rate)

The “front-end” was designed to be easy and smooth for borrowers and lenders, making it as simple as ordering an appraisal. Some lenders have made us part of their LOS.

Our intentionally arduous “back-end” verification protocols use IRS-retrieved, lender-provided, and/or borrower-submitted documents, cross-referenced to city, county, and state filings, and third-party paid-access database records.

Every CPA letter and/or P&L is supported by our 10-Point Business Background Evidence File, providing a structured record of the business research and validation performed.

Built for NonQM Lenders and Brokers

NonQMVerifi is approved/accepted by 21.5 of the top 25 NonQM investors.  Those “3.5” are outliers that have guidelines preventing us from supporting their files. That’s why we encourage brokers and lenders to understand each investor’s tax-professional and verification requirements before selecting a lender.

See the NonQMVerifi Lender Packet for Yourself

Want to see what the lenders receive?  Want to know who those four lenders are?

Join our free LinkedIn community, NonQM Brief, and request two exclusive bonuses:

1. A sample NonQMVerifi lender verification packet
See the actual structure, documentation, and 10-Point Business Background Evidence File behind our validation process. (Verification letter, Evidence file, and P&L is included)

Share this with other departments. Ask them if they have ever seen anything like this. And then tell them it’s part of our required documentation to secure our exclusive $2M Per-File E&O protection against adverse actions. Compare that packet to accepting a random ptin letter from someone with no bond, no insurance, and no actual accountability.

2. Those “3.5” NonQM investors we currently cannot support
Learn why lender-specific guidelines matter before you “quote a rate” or worse “disclose a file” and then learn that investor isn’t actually an option. And it’s not a flaw. We respect their right to set their guidelines up as they see fit. At the same time, we also support their competitors swooping in and saving those files.

Join “NonQM Brief” now on LinkedIn and request both bonuses.  Thank you !!