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Unconventional Mortgages | A Wealth of Information Resource and Service: 800-718-8906

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Current Lender Niches

Portfolio lenders usually have the most unique loan programs. However, there are unique guidelines variances among most core Non-QM lenders. Examples of niche loan programs would include, removal of departing residence housing expense from borrower DTI. Or ability to use cash out as qualifiable asset depletion income. Various different asset depletion programs. Newly self-employed borrowers. Stated income on a primary residence (No Doc). Investor loans to $30,000,000. Cash out refinance with unlimited cash out, etc.

1099 Only Jumbo Loan – 640 Credit Score

1099 Only Super Jumbo Loan Program – $7,500,000 1099 mortgage loan programs accommodate Sole proprietors, Independent Contractors, and Freelance Professionals. Non-Occupying Co-Borrowers OK. On a Cash Out Refinance, you have

06/13/2024 03/07/2025

One-Year History Verification | VOE

1099 Only Lite Doc Income Documentation Bank Statement Loan | 660 Credit Score – 90% LTV to $1,500,000 * 1-Year Income and Employment Verification Documentation, Asset Utilization * Form 4506-T

07/28/2023 03/31/2025

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1099 Only

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Alternative Income Documentation

Unconventional Mortgage Lending

Non-Prime Wholesale Lenders

Niche Loans

Stated Income Loans

Non-QM Mortgages

Non-QM Lenders

1099 Niches

Bank Statement Niches

Hard Money and Investor Niches

Non-Prime Bank Statement Loans

Non-Prime Mortgages