LoanBeam NQM™ User Guide (version 3) is attached.

• It provides information on how to Process Bank Statements for Non-QM Income in LoanBeam.
• And it includes information on all NQM enhancements that will be released on Friday evening 11/21/25.

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

• All accounts will need to manually select which users have access to the NQM template (including clients who began using NQM prior to 11/21/25)
• A client admin must access the LoanBeam dashboard, then access the ADMIN section
• From the admin section they can then choose to either -
  • Use the USER tab to select a User to add to the 'NonQM Template Group' or
  • Use the USER GROUP tab to select the 'NonQM Template Group' where they can add multiple users to the group

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