Several NON QM programs: The more types of products they offer, the more likely they can offer a loan for your situation.

Underwriting Proficiency: Some of the top Non QM lenders have flexibility in lending - allowing exceptions etc.

Pricing: Top NON QM Mortgage lenders will price their loans very competitively and allow for rate buydowns etc

Great Quality Service: Top NON QM lenders ensure they are giving great quality service and a positive experience to all parties involved especially the borrower.