A non-income qualifier mortgage is a type of mortgage that is not based on the borrower's income. These types of mortgages may be suitable for borrowers who have difficulty qualifying for a traditional mortgage due to factors such as self-employment, irregular income, or a lack of credit history.

Non-income qualifier mortgages are often offered by alternative lenders, such as private mortgage lenders or mortgage investment corporations. They may also be offered by traditional lenders, such as banks and credit unions, as a way to help borrowers who may not meet the strict credit and income requirements of a conventional mortgage.

Non-income qualifier mortgages are typically more expensive than traditional mortgages, as they carry a higher risk for the lender. They may have higher interest rates and may require a larger down payment or a higher mortgage default insurance premium.

Borrowers should be aware that non-income-qualifying mortgages may not be suitable for everyone, and they should carefully consider their options before committing to one.