Unconventional Mortgages (800) 718-8906

Unconventional Mortgages and Loans

(800) 718-8906

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


12 Month Bank Statement – Alt Doc

Self-Employed Home Loan – One-Year Lite Doc VOE – 90% LTV – 680 Credit Score

Super Jumbo Loan Amount – $15,000,000. ($3,000,000 maximum cash out/cash-in-hand)

Self-Employment Doc Type VOE: – One year Verification of Employment

Cash Out Refinance 85% LTV – 680 Credit Score

12 and/or 24 Months Personal Bank Statement with Asset Depletion

Profit and Loss Statement: Borrower Prepared and Unaudited P&L Options

An Expense Factor (expense ratio) is a percentage determined by the Loan Officer and signed off on by the underwriter. Criteria for the underwriter to consider is the:

Scope (Business Narrative Form) of the company

Self-Employed Borrower Verification of Employment Documentation | VOE

CPA, Enroll Agent, or Professional Tax Preparer to state percentage of business ownership. Have been filing Self-Employed tax returns for previous X number of years (>2years)

W2 Wage Earner Co-Borrower – OK

Wage Earner Docs:

Previous Year W2 and Recent Paycheck Stubs for the previous 30 days

Written Verification of Employment | WVOE. Standard form sent to and completed by Employer Human Resource Department or Direct Supervisor

55% Maximum Debt-to-Income Ratio | DTI

Credit: Notes:

One Mortgage Late in Previous 12 Months, OK.

Asset Depletion Available for W2 Wage Earner and Self-employed

600 Minimum Middle Credit Score

Can own up to 20 Financed Properties

Available in the Following States:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Kansas, Massachusetts, Missouri, Nevada, New Jersey, New Mexico, North Carolina, Oklahoma, Oregon, Pennsylvania, South Carolina, Texas, Vermont, Virginia, Washington, and Wisconsin.