New immigration policies have banned non-permanent residents from some government-backed loan programs, altered borrower behaviors and reduced appetite for nonqualified mortgages (non-QMs). The changes have forced LOs and lenders to shift strategies.New immigration policies have banned non-permanent residents from some government-backed loan programs, altered borrower behaviors and reduced appetite for nonqualified mortgages (non-QMs). The changes have forced LOs and lenders to shift strategies.