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Qualify for a Jumbo Bank Statement Loan up to $10 million with no tax returns required. Designed for self-employed and W-2 co-borrowers using 24 months of bank statements.
Jumbo Bank Statement Program – 640 Credit Score Self-Employed including 1099 Independent Contractors as well as W2 Commission Professionals. 3 Bank Statement mortgage options that provide flexibility for business owners that utilize both their personal account and Business account for
The 6-Month Bank Statement Mortgage 660 Credit Score program for borrowers with credit scores of 660 to qualify using six months of personal or business
No income or asset documentation required—no 4506-T or 4506-C forms needed. As of June 2025, tax returns are not required for self-employed or W-2 borrowers.
Non-Prime Bank Statement Options Self-Employed Borrowers: Portfolio Direct Lender is a direct lender with their own portfolio of loan products and programs, and they make
12-Month Bridge Loan: short-term loan up to $30M, up to 75% LTV. Tap your property equity fast before sale. Credit score min 620.
Alt-Doc for Real-Estate Investors: Rent & business bank statements, lease income or Airbnb qualify. Flexible docs, no tax returns required.
Bank Statement Jumbo Mortgage with Interest-Only options. Choose from 2-month or 24-month bank statement programs for purchase, rate/term refinance, or cash-out. Available for owner-occupied, second
The Non-Qualified Mortgage Jumbo (55% DTI) program is for borrowers with a high debt ratio via 1099-only, bank statement, asset depletion, P&L-only (unaudited).
The Non-Prime True No Doc Mortgage Program is an equity-driven, alternative documentation option tailored for borrowers with unconventional income or documentation (like the self-employed, fixed-income
Asset depletion mortgage: Use liquid assets (cash, investments, retirement) as qualifying “income.” No W-2s or tax returns required—ideal for asset-rich borrowers.
Alt-Doc Mortgage Program: Flexible financing up to 90% LTV with loan amounts from $1.5M to $3.5M. No 4506-T or 4506-C forms required. Reserve requirement: 6
The Stated Income Owner-Occupied Jumbo program (updated July 31, 2025) provides borrowers who prefer not to provide income documentation or tax transcripts. Purchase loans to
Sole Proprietor Super Jumbo Loan Program – $7,500,000 This particular 1099 Only income documentation mortgage loan can accommodate Sole Proprietors, Independent Contractors, and Freelance Professionals
Super jumbo investor financing is available for loan amounts up to $30,000,000. The program uses manual underwriting and in-house credit decisions for real estate investors
Borrow up to $3M with jumbo hard money loans at 80% LTV for fix & flip, bridge, construction & more. No 4506-T required, flexible income
Non-Prime – One Day Out of a Short Sale or Foreclosure Loan This loan is for people that have recently either foreclosed or short sold
The Non-QM Bank Statement Loan Program offers flexible underwriting with a maximum Debt-to-Income (DTI) ratio of 55% for loans up to $2,000,000, with even higher
Jumbo Non-QM Bank Statement Loans offer self-employed and high-income borrowers a flexible way to qualify for jumbo mortgages without tax returns. Borrow up to $5
Self-Employed Borrowers Our Investor Bank Statement Loan program caters to borrowers who thrive outside the conventional lending box. As a portfolio direct lender, we make
Subprime bank-statement loan: Alt-doc financing using bank statements for income. Higher-risk, flexible qualification even with credit blemishes.
Qualifying for a mortgage on an investment property can be tricky, particularly if you own multiple properties. The DSCR (Debt Service Coverage Ratio) option makes
Self-Employed Borrowers – Forms 4506-T / 4506-C Not Required This Alt Doc Home Loan program allows you to qualify using bank statements, providing a flexible
Non-Prime Alt Doc Self-Employed Program Non-Prime mortgages are not only for challenged credit borrowers, but also good and excellent credit borrowers that require a higher
Qualify for an Asset Depletion Mortgage up to $5 million without tax returns. This program allows self-employed and W-2 borrowers to use verified assets as
Maximum Loan Amount Investor Mortgage – $3,500,000 This investment property loan program provides up to $3,000,000 for purchases and rate-term refinances, with cash-out refinancing available
Alternative Income Second Mortgage Non-QM lender offers a closed-end, fixed-rate structure tailored for the needs of self-employed individuals and real estate investors. With a minimum
Bank Statement and Asset Depletion Non-QM loan program uses bank statements In lieu of Traditional Income Documentation to determine a borrower’s Ability-to-Repay. Agency – government
3-Month Bank Statement Loans in California help self-employed borrowers qualify using just three months of ”income deposits”, no tax returns or W-2s required. Ideal for
Super Jumbo Real Estate Investor Loan Program to $5,000,000 This investor program was created for seasoned professional Business Purpose Real Estate Investors for most property
Self-Employed Mortgage One Month Bank Statement Option One-Month Bank Statement Loan for Self-Employed: A flexible mortgage solution for purchases, rate/term refinances, and cash-out options. Ideal
Flexible income documentation options with as little as 3 months of personal or business bank statements. This 3-month program is a streamlined alternative to 6-,
Portfolio Prime Loan Program Overview The Portfolio Prime Loan Program is designed for borrowers with strong financial profiles who may not qualify for conventional or
Bank Statement Alt Doc Options Available – 2026 Updates We calculate your monthly income number (DTI purposes) before your loan is submitted to the underwriter
Access the equity in your home without the paperwork stress. Our Second Mortgage Bank-Statement Loan is for self-employed homeowners, freelancers, or anyone who lacks traditional
Soft Money Mortgage Program Exceptions made to 75% LTV for qualifying counties in the state of California. This means that the pricing is less than
Prime and Non-Prime Bank Statement Options Portfolio Direct Lender is a specialized direct lender offering an exclusive portfolio of loan products and programs. They make
12 month P&L statement along with 3 months bank statements to support P&L (10%-25% variance)..
Real estate investor cash-out with bank-statement loans: use rentals, 1099 or Airbnb income, alt docs. Up to 85% LTV, flexible credit & no tax return
Bank Statement Loans for Self Employed Borrowers Whether you’re purchasing your first home or expanding your real estate portfolio, these loans adapt to your income
Our 24-Month Bank Statement Program offers a streamlined alternative: instead of relying on tax returns, you can qualify using up to two years of business
Asset Qualifier Portfolio Mortgage with asset-based income documentation. Ideal for borrowers using 1099s (sole proprietors) to demonstrate ability to repay. Allows DTI ratios up to
Portfolio Direct Lender is a direct lender with their own portfolio of loan products and programs, and they make their own Non-QM and Non-Prime manual