{"id":1673,"date":"2023-07-06T16:28:40","date_gmt":"2023-07-06T21:28:40","guid":{"rendered":"https:\/\/dream-habitat.com\/?post_type=services&#038;p=1673"},"modified":"2025-06-03T22:36:41","modified_gmt":"2025-06-04T03:36:41","slug":"non-qm","status":"publish","type":"services","link":"https:\/\/dream-habitat.com\/es\/services\/non-qm\/","title":{"rendered":"Non-QM"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1673\" class=\"elementor elementor-1673\" data-elementor-post-type=\"services\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-15cfffc7 elementor-section-height-min-height elementor-section-items-stretch elementor-reverse-mobile elementor-section-boxed elementor-section-height-default\" data-id=\"15cfffc7\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-63094dc4\" data-id=\"63094dc4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f40bffa elementor-widget elementor-widget-heading\" data-id=\"f40bffa\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Break free from the limits of traditional lending with Non-QM loan, empowering you to seize extraordinary opportunities and make your dreams a reality.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a359631 elementor-widget elementor-widget-heading\" data-id=\"5a359631\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Non-QM<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6362de07\" data-id=\"6362de07\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-372ee595 elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-image\" data-id=\"372ee595\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"572\" height=\"360\" src=\"https:\/\/dream-habitat.com\/wp-content\/uploads\/dream-habitat-services-non-qm.webp\" class=\"attachment-large size-large wp-image-1524\" alt=\"Non-QM\" srcset=\"https:\/\/dream-habitat.com\/wp-content\/uploads\/dream-habitat-services-non-qm.webp 572w, https:\/\/dream-habitat.com\/wp-content\/uploads\/dream-habitat-services-non-qm-300x189.webp 300w, https:\/\/dream-habitat.com\/wp-content\/uploads\/dream-habitat-services-non-qm-150x94.webp 150w\" sizes=\"(max-width: 572px) 100vw, 572px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-6b795e02 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6b795e02\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-42a10e1c\" data-id=\"42a10e1c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7c63a28d elementor-widget elementor-widget-heading\" data-id=\"7c63a28d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is a Non-QM Loan? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2782140f elementor-widget elementor-widget-heading\" data-id=\"2782140f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Non-QM Mortgage Loan<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-255bbced elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"255bbced\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-78a24d8c\" data-id=\"78a24d8c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3418005c elementor-invisible elementor-widget elementor-widget-image\" data-id=\"3418005c\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"929\" height=\"640\" src=\"https:\/\/dream-habitat.com\/wp-content\/uploads\/non-qm-mortgage-loans-e1690384097124.jpg\" class=\"attachment-full size-full wp-image-2061\" alt=\"non qm mortgage loans\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-42099c3\" data-id=\"42099c3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-55b96472 elementor-widget elementor-widget-text-editor\" data-id=\"55b96472\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A Non-QM loan, or a non-qualified mortgage, is a type of mortgage loan that allows you to qualify based on alternative methods, instead of the traditional income verification required for most loans. They come with fewer financial and credit score requirements and are usually good options for self-employed borrowers, some rental property investors, and others who don\u2019t meet the strict standards of traditional mortgage loans.<\/p><p>Non-QM mortgages empower home buyers to choose the home they want, not the home a QM broker thinks they should want.<\/p><p>The Consumer Financial Protection Bureau (CFPB) has established a set of rules for QM loans to provide more stable borrowing requirements. These are meant to protect borrowers from entering loan agreements that they cannot afford to repay.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30e2a860 elementor-widget elementor-widget-button\" data-id=\"30e2a860\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#form\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-3977a5d5 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"3977a5d5\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7af3f6fb\" data-id=\"7af3f6fb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6c1edfd5 elementor-widget elementor-widget-heading\" data-id=\"6c1edfd5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Who is it for?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-220d24ac elementor-widget elementor-widget-text-editor\" data-id=\"220d24ac\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"eael-accordion-list\"><div id=\"elementor-tab-content-7921\" class=\"eael-accordion-content clearfix active-default\" role=\"tabpanel\" data-tab=\"1\" aria-labelledby=\"who-is-it-for\"><p>For buyers who need flexibility in their mortgage plans. Investors, foreign nationals, and those who are self-employed, as well as borrowers with credit issues.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-43dec49c\" data-id=\"43dec49c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-28b25dc3 elementor-invisible elementor-widget elementor-widget-image\" data-id=\"28b25dc3\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInRight&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"847\" height=\"618\" src=\"https:\/\/dream-habitat.com\/wp-content\/uploads\/non-qm-mortgages-loans-e1690384147796.jpg\" class=\"attachment-full size-full wp-image-2064\" alt=\"non qm mortgages loans\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-1f3b5902 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"1f3b5902\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-193a2db9\" data-id=\"193a2db9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3d2b959a elementor-widget elementor-widget-heading\" data-id=\"3d2b959a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Requirements<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55ea803b elementor-widget elementor-widget-heading\" data-id=\"55ea803b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Best Non-QM mortgage loan<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-289332cc elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"289332cc\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-312635d5 elementor-invisible\" data-id=\"312635d5\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4e8bd073 elementor-widget elementor-widget-image\" data-id=\"4e8bd073\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"72\" height=\"72\" src=\"https:\/\/dream-habitat.com\/wp-content\/uploads\/dream-habitat-reverse-loans-requirements-icono-1.svg\" class=\"attachment-large size-large wp-image-1551\" alt=\"home loan\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e764708 elementor-widget elementor-widget-heading\" data-id=\"e764708\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Proof of Income<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e7f1840 elementor-widget elementor-widget-text-editor\" data-id=\"1e7f1840\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6747e43d elementor-position-left elementor-vertical-align-middle elementor-widget__width-inherit elementor-widget elementor-widget-image-box\" data-id=\"6747e43d\" data-element_type=\"widget\" data-widget_type=\"image-box.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">Flexible documentation, including bank statements (12 or 24 months), P&amp;L statements, 1099 forms, or property income (DSCR).<\/p><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-4add1856 elementor-invisible\" data-id=\"4add1856\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:300}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-25c53bab elementor-widget elementor-widget-image\" data-id=\"25c53bab\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"72\" height=\"72\" src=\"https:\/\/dream-habitat.com\/wp-content\/uploads\/dream-habitat-reverse-loans-requirements-icono-2.svg\" class=\"attachment-large size-large wp-image-1539\" alt=\"home loan\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0df954c elementor-widget elementor-widget-heading\" data-id=\"0df954c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Debt-to-Income Ratio (DTI)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d3b5379 elementor-widget elementor-widget-text-editor\" data-id=\"5d3b5379\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6949f182 elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"6949f182\" data-element_type=\"widget\" data-widget_type=\"image-box.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">No fixed DTI limit for Non-QM loans. The limit depends on the specific program and lender.<\/p><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-64667e8a elementor-invisible\" data-id=\"64667e8a\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:600}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-26b1d116 elementor-widget elementor-widget-image\" data-id=\"26b1d116\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"64\" height=\"72\" src=\"https:\/\/dream-habitat.com\/wp-content\/uploads\/dream-habitat-reverse-loans-requirements-icono-3.svg\" class=\"attachment-large size-large wp-image-1547\" alt=\"home loan\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e03f57 elementor-widget elementor-widget-heading\" data-id=\"9e03f57\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Fees and Costs<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f48882f elementor-widget elementor-widget-text-editor\" data-id=\"7f48882f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6d9068db elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"6d9068db\" data-element_type=\"widget\" data-widget_type=\"image-box.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">Non-QM loans do not have a general 3% fee limit. Costs vary depending on the program and lender.<\/p><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-b90349 elementor-invisible\" data-id=\"b90349\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:900}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4a792128 elementor-widget elementor-widget-image\" data-id=\"4a792128\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"72\" height=\"72\" src=\"https:\/\/dream-habitat.com\/wp-content\/uploads\/dream-habitat-reverse-loans-requirements-icono-4.svg\" class=\"attachment-large size-large wp-image-1541\" alt=\"home loan\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7131671 elementor-widget elementor-widget-heading\" data-id=\"7131671\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Loan Features<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ee34eb elementor-widget elementor-widget-text-editor\" data-id=\"6ee34eb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2b81c950 elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"2b81c950\" data-element_type=\"widget\" data-widget_type=\"image-box.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\">The loan cannot have risky features like interest-only payments, negative amortization, or a balloon payment.<\/p><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-1f4da4f9 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"1f4da4f9\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-78ded547\" data-id=\"78ded547\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-66c987e elementor-widget elementor-widget-heading\" data-id=\"66c987e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently Asked Questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38a64ac7 elementor-widget elementor-widget-heading\" data-id=\"38a64ac7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Non-QM Mortgage Loan<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-533cc373 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"533cc373\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7e1c2f29\" data-id=\"7e1c2f29\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7c7207b0 elementor-invisible elementor-widget elementor-widget-image\" data-id=\"7c7207b0\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/dream-habitat.com\/wp-content\/uploads\/What-is-a-non-QM-mortgage-loan-1024x683.jpg\" class=\"attachment-large size-large wp-image-2069\" alt=\"What is a non-QM mortgage loan\" srcset=\"https:\/\/dream-habitat.com\/wp-content\/uploads\/What-is-a-non-QM-mortgage-loan-1024x683.jpg 1024w, https:\/\/dream-habitat.com\/wp-content\/uploads\/What-is-a-non-QM-mortgage-loan-300x200.jpg 300w, https:\/\/dream-habitat.com\/wp-content\/uploads\/What-is-a-non-QM-mortgage-loan-150x100.jpg 150w, https:\/\/dream-habitat.com\/wp-content\/uploads\/What-is-a-non-QM-mortgage-loan-768x512.jpg 768w, https:\/\/dream-habitat.com\/wp-content\/uploads\/What-is-a-non-QM-mortgage-loan.jpg 1500w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c57aa86\" data-id=\"c57aa86\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-446fdaa elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"446fdaa\" data-element_type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-446fdaa\" data-scroll-on-click=\"no\" data-scroll-speed=\"300\" data-accordion-id=\"446fdaa\" data-accordion-type=\"accordion\" data-toogle-speed=\"300\">\n    <div class=\"eael-accordion-list\">\n                <div id=\"what-is-a-non-qm-mortgage-loan\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"1\" aria-controls=\"elementor-tab-content-7171\"><h4 class=\"eael-accordion-tab-title\">What is a Non-QM mortgage loan?<\/h4><span class=\"eael-advanced-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-angle-down\"><\/i><\/span><span class=\"eael-advanced-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-angle-up\"><\/i><\/span><\/div><div id=\"elementor-tab-content-7171\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" aria-labelledby=\"what-is-a-non-qm-mortgage-loan\"><p>A non-QM (Non-Qualified Mortgage) loan is a type of mortgage that does not meet the qualified mortgage standards set by the Consumer Financial Protection Bureau (CFPB). These loans are designed for borrowers who may not meet traditional lending criteria, such as self-employed individuals or those with unique financial situations.<\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"how-does-a-non-qm-mortgage-loan-work\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"2\" aria-controls=\"elementor-tab-content-7172\"><h4 class=\"eael-accordion-tab-title\">How does a Non-QM mortgage loan work?<\/h4><span class=\"eael-advanced-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-angle-down\"><\/i><\/span><span class=\"eael-advanced-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-angle-up\"><\/i><\/span><\/div><div id=\"elementor-tab-content-7172\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" aria-labelledby=\"how-does-a-non-qm-mortgage-loan-work\"><p>Non-QM mortgage loans work by providing financing options to borrowers who may not meet the strict requirements of conventional mortgages. Lenders assess the borrower&#8217;s overall financial profile, considering factors beyond just credit score and income, to evaluate their ability to repay the loan.<\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"what-are-the-benefits-of-a-non-qm-mortgage-loan\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"3\" aria-controls=\"elementor-tab-content-7173\"><h4 class=\"eael-accordion-tab-title\">What are the benefits of a Non-QM mortgage loan?<\/h4><span class=\"eael-advanced-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-angle-down\"><\/i><\/span><span class=\"eael-advanced-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-angle-up\"><\/i><\/span><\/div><div id=\"elementor-tab-content-7173\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" aria-labelledby=\"what-are-the-benefits-of-a-non-qm-mortgage-loan\"><p>The benefits of a non-QM mortgage loan include flexibility in underwriting criteria, which can accommodate borrowers with non-traditional income sources, lower credit scores, or high debt-to-income ratios. It allows borrowers who may not qualify for traditional loans to access homeownership or real estate investment opportunities.<\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"what-are-the-advantages-of-a-non-qm-mortgage-loan-compared-to-other-loans\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"4\" aria-controls=\"elementor-tab-content-7174\"><h4 class=\"eael-accordion-tab-title\">What are the advantages of a Non-QM mortgage loan compared to other loans?<\/h4><span class=\"eael-advanced-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-angle-down\"><\/i><\/span><span class=\"eael-advanced-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-angle-up\"><\/i><\/span><\/div><div id=\"elementor-tab-content-7174\" class=\"eael-accordion-content clearfix\" data-tab=\"4\" aria-labelledby=\"what-are-the-advantages-of-a-non-qm-mortgage-loan-compared-to-other-loans\"><p>The advantages of a non-QM mortgage loan include the potential for faster approval processes, more lenient underwriting guidelines, and the ability to tailor loan terms to fit individual financial circumstances. These loans can provide opportunities for borrowers who don&#8217;t meet conventional lending criteria.<\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"is-a-non-qm-mortgage-loan-a-good-option\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"5\" aria-controls=\"elementor-tab-content-7175\"><h4 class=\"eael-accordion-tab-title\">Is a Non-QM mortgage loan a good option?<\/h4><span class=\"eael-advanced-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-angle-down\"><\/i><\/span><span class=\"eael-advanced-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-angle-up\"><\/i><\/span><\/div><div id=\"elementor-tab-content-7175\" class=\"eael-accordion-content clearfix\" data-tab=\"5\" aria-labelledby=\"is-a-non-qm-mortgage-loan-a-good-option\"><p>A non-QM mortgage loan can be a good option for borrowers who don&#8217;t qualify for traditional mortgages due to unique financial situations. However, borrowers should carefully consider the potentially higher interest rates and additional risks associated with non-QM loans. Working with a knowledgeable lender and conducting a thorough cost-benefit analysis is important to determine if it is the right choice for their specific needs.<\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"what-are-the-requirements-for-a-non-qm-loan\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"6\" aria-controls=\"elementor-tab-content-7176\"><h4 class=\"eael-accordion-tab-title\">What are the requirements for a non-QM loan?<\/h4><span class=\"eael-advanced-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-angle-down\"><\/i><\/span><span class=\"eael-advanced-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-angle-up\"><\/i><\/span><\/div><div id=\"elementor-tab-content-7176\" class=\"eael-accordion-content clearfix\" data-tab=\"6\" aria-labelledby=\"what-are-the-requirements-for-a-non-qm-loan\"><p>To qualify for a non-QM loan, borrowers must meet the following requirements:<\/p><p>Credit score: Borrowers must have a credit score of at least 620 to qualify for a non-QM loan with a down payment of 10%. Borrowers with a credit score of 580 to 619 may qualify for a non-QM loan with a down payment of 15%.<br \/>Income: Borrowers must have enough income to afford the monthly mortgage payments.<br \/>Assets: Borrowers must have enough assets to cover the down payment, closing costs, and other expenses.<br \/>Debt-to-income ratio: Borrowers must have a debt-to-income ratio of no more than 50%.<\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"how-do-i-get-a-non-qm-loan\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"7\" aria-controls=\"elementor-tab-content-7177\"><h4 class=\"eael-accordion-tab-title\">How do I get a non-QM loan?<\/h4><span class=\"eael-advanced-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-angle-down\"><\/i><\/span><span class=\"eael-advanced-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-angle-up\"><\/i><\/span><\/div><div id=\"elementor-tab-content-7177\" class=\"eael-accordion-content clearfix\" data-tab=\"7\" aria-labelledby=\"how-do-i-get-a-non-qm-loan\"><p>To get a non-QM loan, borrowers must apply through a non-QM lender. The lender will review the borrower&#8217;s financial information and credit report to determine if they qualify for a non-QM loan. If the borrower qualifies, the lender will issue a loan commitment.<\/p><p>\u00a0<\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"what-are-the-closing-costs-for-a-non-qm-loan\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"8\" aria-controls=\"elementor-tab-content-7178\"><h4 class=\"eael-accordion-tab-title\">What are the closing costs for a non-QM loan?<\/h4><span class=\"eael-advanced-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-angle-down\"><\/i><\/span><span class=\"eael-advanced-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-angle-up\"><\/i><\/span><\/div><div id=\"elementor-tab-content-7178\" class=\"eael-accordion-content clearfix\" data-tab=\"8\" aria-labelledby=\"what-are-the-closing-costs-for-a-non-qm-loan\"><p data-sourcepos=\"28:1-28:161\">Closing costs for a non-QM loan typically range from 2% to 4% of the loan amount. These costs include appraisal fees, title insurance fees, and origination fees.<\/p><\/div>\n                <\/div><div class=\"eael-accordion-list\">\n                <div id=\"what-are-the-pros-and-cons-of-a-non-qm-loan\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"9\" aria-controls=\"elementor-tab-content-7179\"><h4 class=\"eael-accordion-tab-title\">What are the pros and cons of a non-QM loan?<\/h4><span class=\"eael-advanced-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-angle-down\"><\/i><\/span><span class=\"eael-advanced-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-angle-up\"><\/i><\/span><\/div><div id=\"elementor-tab-content-7179\" class=\"eael-accordion-content clearfix\" data-tab=\"9\" aria-labelledby=\"what-are-the-pros-and-cons-of-a-non-qm-loan\"><p>Pros:<\/p><p>* Lower down payment requirements<br \/>* Flexible credit requirements<br \/>* Higher loan amounts<br \/>Cons:<\/p><p>* Mortgage insurance premiums (MIP)<br \/>* More stringent property requirements<\/p><\/div>\n                <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-33f7693b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"33f7693b\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-414aecb2\" data-id=\"414aecb2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e3b0480 elementor-widget elementor-widget-heading\" data-id=\"e3b0480\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Testimonials<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-55216f44 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"55216f44\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-635c5e14\" data-id=\"635c5e14\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4af952e4 elementor-widget elementor-widget-jet-carousel\" data-id=\"4af952e4\" data-element_type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;4&quot;,&quot;slides_to_show_tablet&quot;:&quot;2&quot;,&quot;slides_to_show_mobile&quot;:&quot;1&quot;,&quot;slides_to_scroll&quot;:&quot;1&quot;}\" data-widget_type=\"jet-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-carousel jet-elements\"><div class=\"jet-carousel-wrap\">\n\t<div class=\"jet-carousel\" data-slider_options=\"{&quot;autoplaySpeed&quot;:5000,&quot;autoplay&quot;:true,&quot;infinite&quot;:true,&quot;centerMode&quot;:false,&quot;centerPadding&quot;:&quot;50px&quot;,&quot;pauseOnHover&quot;:false,&quot;speed&quot;:500,&quot;arrows&quot;:true,&quot;dots&quot;:false,&quot;variableWidth&quot;:false,&quot;prevArrow&quot;:&quot;.jet-carousel__prev-arrow-4af952e4&quot;,&quot;nextArrow&quot;:&quot;.jet-carousel__next-arrow-4af952e4&quot;,&quot;rtl&quot;:false,&quot;fractionNav&quot;:false}\" dir=\"ltr\">\n\t<div class=\"elementor-slick-slider\">\n\n<div class=\"jet-carousel__item\">\n\t<div class=\"jet-carousel__item-inner\"><div class=\"jet-carousel__content\">\t\t<div data-elementor-type=\"page\" data-elementor-id=\"2041\" class=\"elementor elementor-2041\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-1755bf67 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1755bf67\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-48e40a88\" data-id=\"48e40a88\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-35b0e726 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"35b0e726\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"35\" height=\"25\" viewBox=\"0 0 35 25\" fill=\"none\"><path d=\"M21.0099 25L33.9901 25C34.5479 25 35 24.5431 35 23.9793L35 10.8601C35 10.2964 34.5479 9.83945 33.9901 9.83945L28.51 9.83946L28.51 1.02068C28.51 0.457179 28.0579 -1.30045e-06 27.5001 -1.25169e-06L24.2549 -9.6798e-07C23.8202 -9.29975e-07 23.4343 0.281219 23.2971 0.697995L20.0521 10.5375C20.0176 10.6414 20 10.7504 20 10.8601L20 23.9793C20 24.5431 20.4521 25 21.0099 25V25Z\" fill=\"#65B22E\"><\/path><path d=\"M1.00987 25L13.9901 25C14.5479 25 15 24.5431 15 23.9793L15 10.8601C15 10.2964 14.5479 9.83945 13.9901 9.83945L8.50974 9.83946L8.50974 1.02068C8.50974 0.457179 8.05766 -1.30043e-06 7.49987 -1.25167e-06L4.25487 -9.6798e-07C3.82015 -9.29975e-07 3.43435 0.281219 3.29681 0.697995L0.051809 10.5375C0.0176207 10.6414 -2.92069e-07 10.7504 -2.82472e-07 10.8601L8.64444e-07 23.9793C9.1373e-07 24.5431 0.452076 25 1.00987 25V25Z\" fill=\"#65B22E\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46ebbb97 elementor-widget elementor-widget-text-editor\" data-id=\"46ebbb97\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>When I needed to refinance my mortgage but didn&#8217;t meet the strict criteria of conventional lenders, the Non-QM Mortgage provided a solution. The program took into account my unique financial circumstances, allowing me to secure a refinancing option that better suited my needs. I am grateful for the flexibility and support I received.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-775a0baa elementor-widget elementor-widget-heading\" data-id=\"775a0baa\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Sarah L.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/div><\/div>\n<\/div>\n\n<div class=\"jet-carousel__item\">\n\t<div class=\"jet-carousel__item-inner\"><div class=\"jet-carousel__content\">\t\t<div data-elementor-type=\"page\" data-elementor-id=\"2079\" class=\"elementor elementor-2079\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-1755bf67 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1755bf67\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-48e40a88\" data-id=\"48e40a88\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-35b0e726 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"35b0e726\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"35\" height=\"25\" viewBox=\"0 0 35 25\" fill=\"none\"><path d=\"M21.0099 25L33.9901 25C34.5479 25 35 24.5431 35 23.9793L35 10.8601C35 10.2964 34.5479 9.83945 33.9901 9.83945L28.51 9.83946L28.51 1.02068C28.51 0.457179 28.0579 -1.30045e-06 27.5001 -1.25169e-06L24.2549 -9.6798e-07C23.8202 -9.29975e-07 23.4343 0.281219 23.2971 0.697995L20.0521 10.5375C20.0176 10.6414 20 10.7504 20 10.8601L20 23.9793C20 24.5431 20.4521 25 21.0099 25V25Z\" fill=\"#65B22E\"><\/path><path d=\"M1.00987 25L13.9901 25C14.5479 25 15 24.5431 15 23.9793L15 10.8601C15 10.2964 14.5479 9.83945 13.9901 9.83945L8.50974 9.83946L8.50974 1.02068C8.50974 0.457179 8.05766 -1.30043e-06 7.49987 -1.25167e-06L4.25487 -9.6798e-07C3.82015 -9.29975e-07 3.43435 0.281219 3.29681 0.697995L0.051809 10.5375C0.0176207 10.6414 -2.92069e-07 10.7504 -2.82472e-07 10.8601L8.64444e-07 23.9793C9.1373e-07 24.5431 0.452076 25 1.00987 25V25Z\" fill=\"#65B22E\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46ebbb97 elementor-widget elementor-widget-text-editor\" data-id=\"46ebbb97\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The Non-QM Mortgage program was instrumental in helping me finance an investment property. The ability to consider the potential rental income as a qualifying factor made it easier for me to obtain the necessary funds. It&#8217;s a valuable option for investors seeking non-traditional financing.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-775a0baa elementor-widget elementor-widget-heading\" data-id=\"775a0baa\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Mark T.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/div><\/div>\n<\/div>\n\n<div class=\"jet-carousel__item\">\n\t<div class=\"jet-carousel__item-inner\"><div class=\"jet-carousel__content\">\t\t<div data-elementor-type=\"page\" data-elementor-id=\"2081\" class=\"elementor elementor-2081\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-1755bf67 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1755bf67\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-48e40a88\" data-id=\"48e40a88\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-35b0e726 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"35b0e726\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"35\" height=\"25\" viewBox=\"0 0 35 25\" fill=\"none\"><path d=\"M21.0099 25L33.9901 25C34.5479 25 35 24.5431 35 23.9793L35 10.8601C35 10.2964 34.5479 9.83945 33.9901 9.83945L28.51 9.83946L28.51 1.02068C28.51 0.457179 28.0579 -1.30045e-06 27.5001 -1.25169e-06L24.2549 -9.6798e-07C23.8202 -9.29975e-07 23.4343 0.281219 23.2971 0.697995L20.0521 10.5375C20.0176 10.6414 20 10.7504 20 10.8601L20 23.9793C20 24.5431 20.4521 25 21.0099 25V25Z\" fill=\"#65B22E\"><\/path><path d=\"M1.00987 25L13.9901 25C14.5479 25 15 24.5431 15 23.9793L15 10.8601C15 10.2964 14.5479 9.83945 13.9901 9.83945L8.50974 9.83946L8.50974 1.02068C8.50974 0.457179 8.05766 -1.30043e-06 7.49987 -1.25167e-06L4.25487 -9.6798e-07C3.82015 -9.29975e-07 3.43435 0.281219 3.29681 0.697995L0.051809 10.5375C0.0176207 10.6414 -2.92069e-07 10.7504 -2.82472e-07 10.8601L8.64444e-07 23.9793C9.1373e-07 24.5431 0.452076 25 1.00987 25V25Z\" fill=\"#65B22E\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46ebbb97 elementor-widget elementor-widget-text-editor\" data-id=\"46ebbb97\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>After being denied by traditional lenders due to a recent credit event, the Non-QM Mortgage came to my rescue. The program allowed me to demonstrate my ability to repay the loan based on my current financial stability. It gave me a second chance at homeownership, and I couldn&#8217;t be happier.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-775a0baa elementor-widget elementor-widget-heading\" data-id=\"775a0baa\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Robert M.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/div><\/div>\n<\/div>\n\n<div class=\"jet-carousel__item\">\n\t<div class=\"jet-carousel__item-inner\"><div class=\"jet-carousel__content\">\t\t<div data-elementor-type=\"page\" data-elementor-id=\"2083\" class=\"elementor elementor-2083\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-1755bf67 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1755bf67\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-48e40a88\" data-id=\"48e40a88\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-35b0e726 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"35b0e726\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"35\" height=\"25\" viewBox=\"0 0 35 25\" fill=\"none\"><path d=\"M21.0099 25L33.9901 25C34.5479 25 35 24.5431 35 23.9793L35 10.8601C35 10.2964 34.5479 9.83945 33.9901 9.83945L28.51 9.83946L28.51 1.02068C28.51 0.457179 28.0579 -1.30045e-06 27.5001 -1.25169e-06L24.2549 -9.6798e-07C23.8202 -9.29975e-07 23.4343 0.281219 23.2971 0.697995L20.0521 10.5375C20.0176 10.6414 20 10.7504 20 10.8601L20 23.9793C20 24.5431 20.4521 25 21.0099 25V25Z\" fill=\"#65B22E\"><\/path><path d=\"M1.00987 25L13.9901 25C14.5479 25 15 24.5431 15 23.9793L15 10.8601C15 10.2964 14.5479 9.83945 13.9901 9.83945L8.50974 9.83946L8.50974 1.02068C8.50974 0.457179 8.05766 -1.30043e-06 7.49987 -1.25167e-06L4.25487 -9.6798e-07C3.82015 -9.29975e-07 3.43435 0.281219 3.29681 0.697995L0.051809 10.5375C0.0176207 10.6414 -2.92069e-07 10.7504 -2.82472e-07 10.8601L8.64444e-07 23.9793C9.1373e-07 24.5431 0.452076 25 1.00987 25V25Z\" fill=\"#65B22E\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46ebbb97 elementor-widget elementor-widget-text-editor\" data-id=\"46ebbb97\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>As a self-employed professional with non-traditional income sources, the Non-QM Mortgage provided me with the opportunity to purchase a home. The flexible underwriting criteria and the ability to consider alternative documentation made it possible for me to secure a mortgage that suited my financial situation. I am grateful for this service.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-775a0baa elementor-widget elementor-widget-heading\" data-id=\"775a0baa\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Jennifer R.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/div><\/div>\n<\/div>\n<\/div><div class=\"jet-carousel__prev-arrow-4af952e4 jet-arrow prev-arrow\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"49\" viewBox=\"0 0 48 49\" fill=\"none\"><rect width=\"48\" height=\"48\" transform=\"translate(0 0.5)\" fill=\"#084C76\"><\/rect><path d=\"M28 32.5L20 24.5L28 16.5\" stroke=\"white\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/div><div class=\"jet-carousel__next-arrow-4af952e4 jet-arrow next-arrow\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"48\" height=\"49\" viewBox=\"0 0 48 49\" fill=\"none\"><rect width=\"48\" height=\"48\" transform=\"matrix(-1 0 0 1 48 0.5)\" fill=\"#084C76\"><\/rect><path d=\"M20 32.5L28 24.5L20 16.5\" stroke=\"white\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/div><\/div>\n<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-11baa1d9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"11baa1d9\" data-element_type=\"section\" id=\"form\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7bfc697d elementor-invisible\" data-id=\"7bfc697d\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-67807237 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"67807237\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Let\u2019s talk about your journey \nto homeownership!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bf4ad4a elementor-widget elementor-widget-heading\" data-id=\"4bf4ad4a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Contact us today to get more information about our loan options!<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-699634a4 elementor-button-align-stretch elementor-widget elementor-widget-form\" data-id=\"699634a4\" data-element_type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"New Form\" aria-label=\"New Form\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"1673\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"699634a4\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"\" \/>\n\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-name\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tName\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Name\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-tel elementor-field-group elementor-column elementor-field-group-field_a587bac elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_a587bac\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tPhone\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t<input size=\"1\" type=\"tel\" name=\"form_fields[field_a587bac]\" id=\"form-field-field_a587bac\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Phone\" required=\"required\" pattern=\"[0-9()#&amp;+*-=.]+\" title=\"Solo se aceptan n\u00fameros y caracteres de tel\u00e9fono (#,-,*,etc).\">\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-email\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tEmail\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Email\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-message elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-message\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tMessage\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<textarea class=\"elementor-field-textual elementor-field  elementor-size-sm\" name=\"form_fields[message]\" id=\"form-field-message\" rows=\"3\" placeholder=\"Message\"><\/textarea>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-recaptcha_v3 elementor-field-group elementor-column elementor-field-group-field_cc4dcff elementor-col-100 recaptcha_v3-bottomright\">\n\t\t\t\t\t<div class=\"elementor-field\" id=\"form-field-field_cc4dcff\"><div class=\"elementor-g-recaptcha\" data-sitekey=\"6Ld6mW8hAAAAAM5CwN8ORV-JBU_9F10C5pImppQ5\" data-type=\"v3\" data-action=\"Form\" data-badge=\"bottomright\" data-size=\"invisible\"><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-acceptance elementor-field-group elementor-column elementor-field-group-field_e60bf41 elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t<div class=\"elementor-field-subgroup\">\n\t\t\t<span class=\"elementor-field-option\">\n\t\t\t\t<input type=\"checkbox\" name=\"form_fields[field_e60bf41]\" id=\"form-field-field_e60bf41\" class=\"elementor-field elementor-size-sm  elementor-acceptance-field\" required=\"required\" checked=\"checked\">\n\t\t\t\t<label for=\"form-field-field_e60bf41\">I accept the <a href=\"https:\/\/dream-habitat.com\/data-protection-policy\/\" target=\"blank\">privacy policies.<\/a>\n<\/label>\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-sm elementor-animation-shrink\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Send<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-f08fbfe elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f08fbfe\" data-element_type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a1b30b8\" data-id=\"a1b30b8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0241aca elementor-widget elementor-widget-heading\" data-id=\"0241aca\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Related posts<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"featured_media":2060,"template":"","class_list":["post-1673","services","type-services","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/dream-habitat.com\/es\/wp-json\/wp\/v2\/services\/1673","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dream-habitat.com\/es\/wp-json\/wp\/v2\/services"}],"about":[{"href":"https:\/\/dream-habitat.com\/es\/wp-json\/wp\/v2\/types\/services"}],"version-history":[{"count":0,"href":"https:\/\/dream-habitat.com\/es\/wp-json\/wp\/v2\/services\/1673\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dream-habitat.com\/es\/wp-json\/wp\/v2\/media\/2060"}],"wp:attachment":[{"href":"https:\/\/dream-habitat.com\/es\/wp-json\/wp\/v2\/media?parent=1673"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}