Unconventional Mortgages - A Wealth of Information and Service

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Alternative Mortgages

Alternative mortgage lenders provide flexible financing options tailored to borrowers who may not qualify for traditional loans. These lenders specialize in Non-QM (non-qualified mortgage) products, making them an excellent choice for self-employed individuals, freelancers, and those with unique income streams. Updated disclosures sent to you and Hyun. Please esign at your earliest convenience. Please send the back side of your green card. Still waiting for you to send the following (Provide proof of where the income deposit came from): Assets - Business Deposit(s) - [11/04]* Borrower(s) to source the following deposit(s) in Chase 7223 on 12/31/25 for $5K to document that they are business in nature. *Note: These deposits will not be backed out, sourcing required for sampling purposes. Reminder: if you have any questions or concerns about anything, just simply ask me and I'll clarify of take care of it. But I can't if I'm not aware of it.

Alternative Mortgage Loans - Guidelines and Highlights:

Qualify Using Your Assets

Qualify For a Loan Using Your Assets Your clients can leverage their assets – with no haircuts – using Logan’s Asset Qualification for Alt-Doc loan product. Assets such as savings, stock portfolios, and other liquid assets, are eligible at 100%

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P&L Only Alt Doc Jumbo Second Mortgage Loan

Alt Doc P&L-Only Jumbo Second to $1,500,000 Cash Out can be used for any purpose including , debt consolidation or purchase piggy back second mortgage. This loan program is for self-employed people that are unable to use traditional income documents.

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24 Months Commingle Bank Accounts

24-Month Business & Personal Commingled Bank Account Mortgage. A specialized program allowing the use of both business and personal bank statements for qualification. Perfect for

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Non-QM | Non-Prime Loan Programs

The Non-Prime / Non-Qualified Lender Programs offer flexible mortgage solutions for borrowers with unconventional financial profiles—like those with lower credit scores or alternative income documentation.

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Non-QM Lenders and Loans

Bank Statement Program – 2025 This Bank Statement mortgage is designed for self-employed borrowers. You benefit from a simplified qualifying method with income based on

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Debt Service Coverage Ratio 620 FICO

Business Purpose Investor Loan Program Loan programs for homebuyers and homeowners looking to refinance, rate/Term and Cash Out their Single-Family Residence, Condo or Multi-Unit including

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Asset Qualifier Jumbo Loan

Federal Tax Transcripts Not Required Loan Qualifying Criteria for this loan program are Asset Based. This program can also be used to supplement additional alt

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12 Month Bridge Loan

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.

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Non-QM Portfolio Lender Loan Programs

Non-Qualified Mortgage Lender Serving California Non-QM lender offering Non-QM loan programs to California self-employed borrowers. California business owners need flexible non-qualified underwriter guidelines with favorable

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Alternative Income Documentation

No Doc Mortgages

Alternative Mortgage Mortgages

Stated Income Loan Programs

Second Mortgage Bank Statement Loans

Credit Score Tools