The LoanBeam NQM™ v3 User Guide is available in the attachments to this article.

• It provides information on how Non-QM Income is calculated by LoanBeam using Bank Statements.
• And it includes information on all NQM enhancements that were released on Friday evening 11/21/25.

Please Note:

A major functionality change included in the 11/21/25 release is the ability to limit user access to the NQM template.

• All clients will need to manually select which users have access to the NQM template (including clients who began using NQM prior to 11/21/25)
• To provide user access to NQM, a client admin should -
  • Access the LoanBeam dashboard
  • Then access the ADMIN section / User Management
  • From there you can choose to either -
    • Use the USER tab to select a User to add to the new 'NonQM Template Group' or
    • Use the USER GROUP tab to select the new 'NonQM Template Group', which will allow you to add multiple users to this new group

note: Additional details can be found in the attached user guide