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Borrowers with credit scores between 500 and 620 may still have viable mortgage options through Conventional, FHA, VA, and other agency programs when the loan meets applicable underwriting requirements. These lower credit score mortgage programs can help mortgage professionals acomodate
Qualify using just 3 months of bank statements. Our Jumbo Bank Statement Loan offers up to 90% LTV and loan amounts to $5.5 million for self-employed borrowers.
High-LTV condo jumbo financing up to 90% LTV and $2.5M, offering flexible credit options for
The Non-QM Bank Statement Loan Program offers flexible underwriting with a maximum Debt-to-Income (DTI) ratio
The 90% LTV – 12-Month Bank Statement Jumbo Loan caters to self-employed borrowers—especially sole proprietors—by
1099 Only mortgage for Independent Contractors with one or two year self-employment histor.
6-Month Bank Statement Loan – 680 Credit Score This Six-Month Bank Statement Loan program caters to borrowers
This Jumbo Loan program helps borrowers that have experienced a credit event get approved for
Non-Prime – No Income and No Employment If you’re seeking the right Non-Prime No-Income/No-Employment program
This second mortgage program is designed for qualified borrowers with a 720 credit score seeking
Alt Doc Loans Bank Statement Loans Bank Statement Mortgages Jumbo Loan Programs Jumbo Loans
This 12-Month Bank Statement Jumbo Loan is tailored for self-employed borrowers and those with alternative
1099 Only Lite Doc Bank Statement Loan – Qualify with just 1 year of income
Debt Service Coverage Ratio (DSCR) – No Ratio program for real estate investors up to
3-Month Bank Statement Loan. Use either 3 months of business or personal bank statements as
Our alternative documentation mortgage program features a Lite Doc option for borrowers seeking simplified income
Income is stated on Form 1003 without tax returns; self-employed borrowers with 30 % ownership
Non-Prime Bank Statement Options Self-Employed Borrowers: Portfolio Direct Lender is a direct lender with their
Real estate investor cash-out with bank-statement loans: use rentals, 1099 or Airbnb income, alt docs.
Manual Underwrite Super Jumbo Mortgage Super Jumbo Non-Conventional Mortgage Loan Program | Flexibility | Freedom
Our 24-Month Bank Statement Program offers a streamlined alternative: instead of relying on tax returns,
Bank Statement and Asset Depletion Non-QM loan program uses bank statements In lieu of Traditional
Vesting Title in Legal Entities for Business Purpose Mortgages. This program allows borrowers to title
The Non-Qualified Mortgage Jumbo (55% DTI) program is designed for borrowers who may not have
Hard money jumbo loans in California offer flexible financing with no personal income verification, allowing
Prime and Non-Prime Bank Statement Options Portfolio Direct Lender is a specialized direct lender offering
Six Alternative Income Verification Options This 3 month, 6 month, 12 month, or 24 month
12-Month Bank Statement Program expands its reach with low-doc qualifications for self-employed borrowers including sole
Access up to $750,000 with our Stand-Alone Second Mortgage Loan Program—no need to refinance your
12 Months Income Alternative to 24 Months As an alternative to the standard two years
One-year alternative income as well as employment verification (VOE) documentation. “Lite Doc” loan programs fit
24-Month Business & Personal Commingled Bank Account Mortgage. A specialized program allowing the use of
Alternative Income Second Mortgage Non-QM lender offers a closed-end, fixed-rate structure tailored for the needs
This Interest-Only Non-QM jumbo mortgage program is designed for qualified borrowers seeking larger loan amounts
Our Bank Statement Loan program provides self-employed borrowers with an alternative to traditional income documentation.
Flexible portfolio mortgage options including jumbo loans to $15M, FHA flips, multiple financed properties, and
Jumbo Second Mortgage | Alt Doc + Minimum Mortgage Credit Score: 680 Available Terms –
Qualify for a mortgage using eligible liquid assets instead of relying exclusively on traditional employment
Soft Money Mortgage Program Exceptions made to 75% LTV for qualifying counties in the state
True Stated Income 2026 | Form 4506-C Not Required An alternative to the “bank statement
No income or asset documentation required—no 4506-T or 4506-C forms needed. As of June 2025,
Subprime bank-statement loan: Alt-doc financing using bank statements for income. Higher-risk, flexible qualification even with
Nationwide Private Mortgage Lender Unique mortgage loan program designed for the Residential Real Estate Investor