Unconventional Mortgages (800) 718-8906

Unconventional Mortgages and Loans

(800) 718-8906

Unconventional Mortgages - A Wealth of Information Resource & Service: (800) 718-8906


One Year Tax Return Income Program

1 Year Tax Return Program

Reduced doc loan program is for both W2 Wage Earner and Self-Employed borrowers. 1099 Only loan

programs also available.

Income Documentation – One Year Full Doc Tax Return

* One Year business and personal tax return with all schedules

* Profit and Loss Statement or balance sheet starting month after previous year tax return (file extensions OK case by case). Income to be stable or growing.

* Distribution Income OK

* Rental Income OK without Schedule E

* Trust Income OK

* Bank Statement Income Documentation Options Available

Verification of Employment – Self-Employed Borrowers

* CPA Letter- Provided by any Tax Professional or equivalent such as a Certified Public Account (CPA), Enrolled Agent (EA) containing the following criteria:

** Percentage of Ownership

** Regulatory status

** 2+ year self-employment history

** Business name and physical address

Underwriter Notes:

* Loan Amounts – $4,000,000

* LTV – 85%

* Credit Score(s) – 620

* Reserves – 3 Months

* Occupancies – 75% LTV max on Investment Properties

* Property Types – SFR, 2 Unit, 4 Unit, Condo

* DTI 50%

* Gift of Equity – OK

Available Terms

* 15-, 30-, and 40-Year Fixed

* 3-, 5-, 7- and 10-Year ARMs

* Interest-Only Available on 40-Year Term

Loan Scenario Form – Credit Check Not Required

Available in the Following States:

Alabama, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Nevada, New Hampshire, New Jersey, North Carolina, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin.

Alternative Income Documentation

Contact a Loan Officer

Non-Qualified Mortgage Lending

Hard Money Loans

Investor Loans

Investment Property Loans