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The DSCR Mortgage Loan Program offers financing options with a Debt Service Coverage Ratio as low as 0.75. Borrowers can choose from adjustable-rate mortgages (ARMs) with interest-only options or fixed-rate products. The program allows for loan-to-value (LTV) ratios of up
Alternative Income Documentation: 12 Months Bank Statements Income verification is not required for the bank statement second mortgage loan program. Instead of traditional income documentation, it uses alternative methods like bank statements to assess a borrower’s financial ability, making it
The Non-Prime / Non-Qualified Lender Programs offer flexible mortgage solutions for borrowers with unconventional financial
Asset Qualifier Portfolio Mortgage with asset-based income documentation. Ideal for borrowers using 1099s (sole proprietors)
Bank Statement Program – 2025 This Bank Statement mortgage is designed for self-employed borrowers. You
Interest-Only Non-QM Jumbo Mortgage Product Interest Only – $2,000,000 Eligible Transactions: Purchase; Refinance – Rate/Term;
Super Jumbo Bank Financing up to $30 Million. Portfolio mortgage with flexible Lite Doc options,
Self-Employed Borrowers Our Investor Bank Statement Loan program caters to borrowers who thrive outside the
The One-Month Alt-Doc Bank Statement Jumbo program offered self-employed borrowers by allowing approval with only
Non-Prime Bank Statement Options Self-Employed Borrowers: Portfolio Direct Lender is a direct lender with their
Non-QM Alt Doc Bank Statement Loans to $10,000,000 Now you can use your 1099(s) to
Niche Loan Non-Prime Mortgage Our non-prime jumbo mortgage loan program offers flexible financing options, allowing
Jumbo Bank Statement Loan to $5,000,000. Alt-doc qualifying with 12–24 month. bank statements, up to
Our alternative documentation mortgage program features a Lite Doc option for borrowers seeking simplified income
The Stated Income Owner-Occupied Jumbo program (updated July 31, 2025) provides borrowers who prefer not
Super Jumbo Investor Mortgage | DSCR. A specialized DSCR loan program for real estate investors
Non-Prime – No Income and No Employment If you’re seeking the right Non-Prime No-Income/No-Employment program
24-Month Business & Personal Commingled Bank Account Mortgage. A specialized program allowing the use of
Portfolio Prime Loan Program Overview The Portfolio Prime Loan Program is designed for borrowers with
6-Month Bank Statement Loan – 680 Credit Score This Six-Month Bank Statement Loan program caters to borrowers
No income or asset documentation required—no 4506-T or 4506-C forms needed. As of June 2025,
Alternative Income Second Mortgage Non-QM lender offers a closed-end, fixed-rate structure tailored for the needs
Non-Prime Super Jumbo Bank Statement Loan – 600 Credit Score Non-Prime Bank Statement Loans provide