Roger Young is a Houston mortgage broker who helps buyers who do not fit the standard W-2 mold. Self-employed owners, real estate investors, gig workers, and people with strong assets but unconventional income. Because Peyton Mortgage shops multiple lenders instead of pushing one rulebook, Roger can match you with non-traditional (non-QM) programs that most banks cannot offer.
You still get the same fast process either way: same-day pre-qualification at your first consultation, underwriting approval in about a day, and most competitive rates for your specific situation. Texas only.
Our Programs
Bank Statement Loans Built for self-employed borrowers, business owners, gig workers, and foreign nationals. Qualify on 12 to 24 months of bank deposits instead of tax returns. If your tax write-offs make your income look smaller than it really is, this is usually the answer.
No-Income / No-Doc Verification Loans For borrowers who qualify on assets or alternative documentation rather than traditional income proof. A fit when standard income verification gets in the way but the financial picture is strong.
DSCR Loans (Investors) For real estate investors. The property qualifies on its own rental income (debt service coverage ratio), not your personal income. Lets you grow a portfolio without your W-2 capping how many doors you can buy.
Why use a broker for non-traditional loans
A bank has one set of rules and one menu. A broker shops several lenders, so there are more programs to choose from and more chances to get a yes. For non-QM borrowers, that difference is the whole game.
Frequently Asked Questions (FAQs) About Non-Traditional Mortgage
1. Are you a mortgage broker or a direct lender?
Roger is a licensed mortgage broker. Peyton Mortgage shops multiple lender partners to find your fit. We fund conventional and VA loans in our own company name, but the loans are underwritten and serviced by our lender partners, so we are not the final credit decision-maker. That broker model is what lets us offer non-traditional programs banks cannot.
2. What is a non-QM loan?
Non-QM means “non-qualified mortgage.” It is a loan that does not use the standard income-and-documentation rules. Bank statement, no-income-verification, and DSCR loans are all non-QM. They are normal, fully legal mortgage programs built for borrowers whose income or documentation is non-traditional.
3. Can I get a mortgage in Houston if I am self-employed?
Yes. A bank statement loan lets you qualify on your deposits instead of your tax returns, which is usually the better path for self-employed and business-owner borrowers.
4. Do non-traditional loans cost more?
They can carry different terms than a standard conventional loan because the lender takes on more flexibility. Because we shop multiple lenders, we work to get you the most competitive rate available for your profile.
5. How fast can I get pre-qualified?
Same day. At your first consultation Roger runs a full application and a soft credit pull and can hand you a pre-qualification letter in about an hour to an hour and a half.
6. What states are you licensed in?
Texas. Peyton Financial Mortgage Inc., NMLS #355920. Roger Young, NMLS #271349.
Contact Information
- Broker/Loan Officer: Roger Young
- Phone: 1-346-570-0846
- Email: roger@peytonmortgage.com
- Website: https://peytonmortgage.com/
- Visit our Google Business Profile: Read our reviews and find our location
Take control of your future. Call us today and let’s get you moving into your new home!
Disclaimer & Compliance: Peyton Mortgage is an Equal Housing Opportunity broker. All loan approvals are subject to credit, income, and property evaluation. Interest rates, loan programs, and guidelines are subject to change without notice. This page is for informational purposes only and does not constitute a commitment to lend. Please contact Roger Young directly for current rates and specific loan requirements tailored to your financial situation.