Alt Doc Loans | Illinois

Debt Service Coverage No Ratio

Debt Service Coverage Ratio (DSCR) – No Ratio program for real estate investors up to $5,000,000. Eligible for purchase and cash-out refinance with no employment or traditional income documentation required.

03/17/2021 11/15/2025

Lite Doc 1099 Only Mortgage Loan Programs

1099 Only mortgage for Independent Contractors with one or two year self-employment histor.

09/09/2020 09/07/2025

Contact a Loan Officer

6 Month Bank Statement Mortgage Programs

01/14/2020 11/20/2025

Super Jumbo Bank Statement Program

03/06/2015 11/15/2025

Jumbo Bank Statement Loan 5-Million

05/23/2014 10/23/2025

Super Jumbo Investor – 30 million

08/07/2020 09/07/2025

Super Jumbo Investor Loan

01/09/2020 07/31/2025

Non-QM Super Jumbo Alt Doc

06/03/2021 11/15/2025

California Hard Money Jumbo – 80% LTV

08/05/2021 09/08/2025

Stated Income/Verified Assets 680 Credit Score 4 Million

06/14/2015 10/23/2025

Stand-Alone Second Mortgage

11/02/2019 09/14/2025

Bank Statements – Jumbo Mortgage – Interest Only

11/06/2018 11/15/2025

Asset Qualifier Jumbo Loan

05/13/2015 09/07/2025

One Month Bank Statement Loan Program

03/09/2021 09/12/2025

Non-Qualified Mortgage Jumbo 55% DTI

11/15/2018 10/21/2025

Asset Depletion Super Jumbo Mortgage

09/16/2014 11/15/2025

Super Jumbo Bank Statement Loan

09/30/2023 12/18/2025

Jumbo Investor Loan 90% LTV 720 Credit Score

03/25/2015 11/15/2025

Bank Statement Loans – 2025

05/29/2020 09/09/2025

3 Month Bank Statement Program

02/25/2022 12/26/2025

Investor Purchase Loan Program

09/16/2014 11/15/2025

Prime and Non-Prime Bank Statement Options

10/09/2018 09/07/2025

Alternative Income Documentation Jumbo Program

04/05/2016 09/09/2025

Stated Income Verified Assets Owner-Occupied Jumbo

11/13/2014 10/17/2025

Bank Statement Mortgage – Wage Earner

02/25/2019 11/15/2025

1 Month Business or Personal Bank Statements

03/09/2021 09/07/2025

No Income No Asset Verification

09/03/2014 09/07/2025

Bank Statement Loan to $5,000,000

02/27/2019 11/15/2025

Commercial Mortgage Stated Income Super Jumbo

09/17/2014 09/07/2025

Investor Loan – No Doc

06/17/2015 11/15/2025

Non-Prime Loan Program – 580 Credit Score

02/02/2015 09/07/2025

Bank Statement Income | Alt Doc

04/30/2020 11/15/2025

Non-QM | Non-Prime Loan Programs

01/27/2021 10/27/2025

Second Home 85% LTV – 660 Credit Score

07/11/2024 10/15/2025

Investor Mortgage Program

04/10/2014 11/20/2025

Non-Prime Super Jumbo – $5,000,000

11/30/2020 09/07/2025

One Year “1099 Only” Income Reduced Doc Program

09/03/2025 11/30/2025

No Ratio Investor Loan Jumbo

11/02/2019 09/08/2025

Super Jumbo DSCR Investor Mortgage

06/17/2021 12/26/2025

Super Jumbo DSCR $4,500,000

04/16/2024 11/03/2025

90% LTV – 12 Months Personal Bank Statements

05/14/2018 09/07/2025

24 Months Commingle Bank Accounts

10/24/2019 09/12/2025

Alt Doc Loans | Illinois

Illinois Alt Doc Loan Programs We Offer - Guidelines and Highlights:

Contact a Loan Officer

Alt Doc Loans by State:

Bank Statement Loans by State:

Alternative Income Documentation

Non-QM Mortgages

Alt Doc - Purchase Loans

Alt Doc - Refinance Loans

Bank Statement Second Mortgages

Non-Prime Bank Statement Loans

Bank Statement Niches

Bank Statement Refinance Loans

Jumbo Bank Statement Loans

1 Month Bank Statement Loans

3 Month Bank Statement Loans

6 Month Bank Statement Loans

12 Month Bank Statement Loans

24 Month Bank Statement Loans