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Access your home equity with a Jumbo Second Mortgage. Flexible LTVs, alt-doc options, and no need to refinance. Jumbo Second Mortgage loans up to $500,000 with alt-doc income options. Keep your first mortgage while accessing home equity.
Our Bank Statement Loan program provides self-employed borrowers with an alternative to traditional income documentation. Use personal or business bank statements for up to 24 months to qualify for home loans with flexible terms. Available for purchases, refinances, and cash-out
No Income verification super jumbo Loan up to $30 Million. Access high-value financing without income documentation or employment history. Ideal for self-employed, retirees, day traders, and those with unconventional income. If you have strong equity, this program is tailored for you.
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 revenue calculated from business or and (industry specific) personal bank statements Guideline Features: * Maximum loan amount $15,000,000 * 640 FICO Score * Cash-out to 70% LTV * Maximum DTI 55% (requires $4000 minimum disposable income) * Owner-occupied, Second Homes and Non-owner-occupied and investment properties. * Gifts – OK * Max Loan Amount $6,000,000 * Minimum 680 Mortgage Credit Score Required * Max 55% DTI (Debt-to-Income) / Interest-only * 75% LTV * Primary, Second, Investment Homes * 1-4 Unit, Planned Urban Development (PUD) and Condos permitted * Interest-Only * Gifts Permitted Available in the Following States: Alabama, Arizona, Colorado, California, Delaware, Georgia, Florida, Illinois, Maryland,
Our Stated Income / Verified Assets Mortgage Program offers flexible financing for self-employed borrowers with strong assets and non-traditional income. No tax returns required—just verified assets and stated income. Available for primary residence financing with a minimum 660 credit score.
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 types without being required to reveal any sort of conventional income documentation or Verification of Employment documentation and is qualified based on Credit Score/FICO and Cash-Flow of Subject Property. A key qualification for this type of mortgage is the borrower must own their current primary residence. Exceptions can be made to this guideline if the current primary residence is considerably less in size and quality to the subject property. This loan is a great option for Foreign National Borrowers. Income Doc Options: Debt-Service Coverage Ratio | DSCR. DSCR calculation is the executed lease amount or “market rent” (Appraisal Form 1007) divided by the total Housing Expense, which is
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.
Nationwide Private Mortgage Lender Unique mortgage loan program designed for the Residential Real Estate Investor This is a Private Money lender that has funded thousands of loans nationwide, and makes all decisions in-house with over $200,000,000 to lend. Over 25 years of real estate investing experience; they know how to underwrite a loan. They also offer 3-year terms for borrowers with longer-term projects as well as traditional bridge funding. An investor can close in a natural person’s name or business entity. No Income No Asset Verification – Forms 4506-C Not Required This is a true No Doc hard/soft money lender with national reach. No Income. No-Assets. No Employment. And now we dance. Closing’s average 10 to 15 business days from application. Loan Purpose Purchase, Cash Out Refinance. Income & Employment
Super Jumbo Loan Amounts to $30,000,000 Non-Prime/ Manual Underwrite Super Jumbo Common Sense Manual Underwriting and in-house decisions. Final decision with second signature requirement. Income Documentation Not Required Property Types: * Single Family Residence * 2 Units * 1-4 units Highlights: * Interest Only Available Including Cash Out Refinance * Unlimited Cash Out * Bridge Financing Available * Reverse 1031 Available * Cross Collateralization to Leverage Borrowers Investment Properties – 80% LTV * DTI > 50%+ OK * Gift Funds OK * Cash Out Qualifies for Cash Reserves * Departing Residence – New Rents Allowed * First Time Investors OK – No Landlord Experience Required * Vesting In Business Entities OK * 6 Months Reserves with No Additional Reserves Required for Additional Real Estate Owned Loan Scenario Form – Credit
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 FICO score requirement of 640 or above, it provides an avenue for these borrowers to access financing with confidence No Income Documentation or Employment Verification Access loan amounts up to $3 million with flexible financing options designed to meet your investment goals. Enjoy cash-out opportunities of up to $1 million, providing valuable funds for property improvements, debt consolidation, or other financial needs. This combination of high loan limits, cash-out flexibility, and reserve requirements creates a balanced solution for real estate investors seeking reliable financing. Various Loan Options Including Fixed-Rate, ARM, & I/O ARM Secure loan amounts up to $3 million with flexible financing solutions tailored
Real Estate Investor Loan: Up to 12 Financed Properties OK Borrower can own unlimited properties, but only 10 can have a mortgage lien 680 Middle Credit Score | 85% Maximum LTV * No Ratio Income Documentation * Leases (or appraisal form 1007) Six months Reserves required for the subject property plus 6 months liquid reserves for every property that is currently being financed. (Cash out can cover reserve requirement) Jumbo Loan Amounts * $250,000 * $4,000,000 Property Types * Single Family Residence * Non-Warrantable Condo * 2 Units * PUD Occupancies * Owner-Occupied * Non-Owner-Occupied * Second Home Underwriter Notes In order to utilize rental income, tax returns are required. Lease agreements accepted tooBankruptcy or Foreclosure 7 years seasoning requiredInterested parties Contribution OK for Second Home and Non-Owner-Occupied investment property
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.
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 their property. If you have a recent short sale or foreclosure, this loan option could help you get into a home. No seasoning requirement for these housing events Jumbo Loan Amount to $3,000,000 Loan Purpose: * Purchase * Refinance * Cash Out Refinance * Cash Out Refinance – $750,000 Maximum Cash Out (cash-in-hand) Credit Scores / LTV / Loan Amount / Reserves Requirements: * 680 Credit Score – 80% LTV to $3,000,000 with 12 Months Reserves * 660 Credit Score – 80% LTV to $2,500,000 with 12 Months Reserves * 640 Credit Score – 75% LTV to $2,000,000 with 12 Months Reserves * 620 Credit
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 homes, and primary residences. Flexible qualification for self-employed borrowers.
Six Alternative Income Verification Options This 3 month, 6 month, 12 month, or 24 month bank statement Non-QM loan program uses bank statements in lieu of Traditional Income Documentation to determine a borrower’s Ability-to-Repay. Agency – government regulated. Non-QM is manually underwritten per investor guidelines as well as underwriter discretion. Alternative Non-QM Income Documentation Options for the Self-Employed Borrower Self-Employed Tax Returns not required; Form 4506-T not required. Form 4506-C is also not required for Self-Employed borrowers. Form 4506-C is required for W2 Wage Earners only. If W2 Income is Mixed with Self-Employment Bank Statement Income. Proof of Payment will be Required. Self-Employment defined as >25% Ownership to qualify as “self-employed”. Bank Statement and Asset Depletion * 3 Alt Doc and 3 Reduced Doc * 12 Months Business Account statements
The Non-Prime Bank Statement Loan (620 Credit Score) is a Non-QM non-traditional income documentation. qualifY using 1 to 24 consecutive months of recent bank statements—with or without reduced-doc or alt-doc options like 1099 income—in lieu of standard tax returns. Designed for applicants with a minimum 620 credit score, the program supports purchase or refinance loans up to $2,500,000 at 80% LTV and enables cash-out refinances up to $1,500,000 in cash-in-hand.
Partner with us for ARV purchase & rehab loans—finance both acquisition and renovations, leverage your property’s after-repair value, with flexible terms & fast draws.
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 bank statements, along with verifiable assets u to 85% LTV.
Access an easy home loan up to $4,000,000 based on stated income, with a minimum credit score of 740. Skip the hassle and stress of an executed Form 4506-C – it’s not needed for your application, approval or at any time throughout to close. Access substantial financing without the paperwork fuss and frustration, delays, improper expectations, etc. Stated Income/ Verified Assets to $4,000,000 ($5,000,000 – case-by-case) Liquid Asset Requirements: ~ 12 Months PITIA (principle * Interest * Tax * Insurance * HOA (homeowners association) for Subject property + 6 months for each REO Acceptable Liquid Assets: Eligible Property Types: Available Terms: Credit Scores and Credit Criteria Requirements: Compensation credit profile factor considered for the purpose of reduced pricing and/or reduced approval conditions – If borrowers’ current property is going to
The 1099 Mortgage Program makes qualifying easier for self-employed borrowers. Only one year of 1099 income is required—no full tax returns—offering high loan amounts, flexible underwriting, and availability across 30+ states.
Super Jumbo Investor Mortgage | DSCR. A specialized DSCR loan program for real estate investors with a minimum credit score of 620. Offers up to 85% LTV for purchase transactions, 80% for cash-out refinance, and loan amounts up to $15,000,000. Income verified through rental leases or appraisal form 1007.
One-year tax-return alt-doc loan with up to 90% LTV; ideal for self-employed or recent income increase. Primary, second, & investment properties eligible.
Maximum Loan Amount: $4,000,000 Cash Out: $1,500,000 Specialized lender leads the way in the Non-Prime niche mortgage lending space with over 50 years of collective wholesale lending and loan origination experience and have streamlined the approval and escrow work flow perfected the escrow for better time efficiency from pre-qualification, full application, underwriter approval/Conditional Loan Approval (CLA), Prior to Doc (PTD) conditions, Condition Review, final underwrite, Prior to Funding (PTF) conditions, Clear to Close (CTC), Closing Docs to escrow, sign, and close, funds disbursed. Unique Non-QM Lenders and Loans We have many loan options, and we are poised to increase the buying power of the small to medium size business owner by utilizing industry tools, built into their proprietary mortgage Loan Origination Software (LOS) to make the escrow process smooth and
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 solution for millions of self-employed Americans, making homeownership more accessible for those who do not or cannot use their traditional income documentation. Full Income Documentation Alternative – Bank Statements With our program, you can qualify using bank statements, making it easier for self-employed people to obtain reasonable mortgage financing. Alternative Income Documentation for Self-Employed Borrowers Self-Employed borrowers do not want to provide Full Doc income documentation to qualify for a mortgage. Moreover, do not want to sign IRS Form 4506-C for federal tax transcripts. 12 Months and 24 Months Bank Statements – Tax Returns Not Required Explore our Jumbo niche loan program, designed specifically for
Non-Prime Super Jumbo Bank Statement Loan – 600 Credit Score Non-Prime Bank Statement Loans provide financing for borrowers with a 600+ credit score. Self-employed individuals using personal or business bank statements, including commingled accounts is OK to verify income. Super Jumbo options are available, allowing high loan amounts without traditional income documentation. These loans suit non-prime borrowers seeking tailored solutions. Commingle Business and Personal Bank Account Statements Experience adaptable Non-QM income documentation options designed for self-employed borrowers. Use personal, business, or commingled bank statements to verify income with ease. These loans offer unmatched versatility, eliminating the need for traditional income proof while accommodating diverse financial profiles. Perfect for borrowers seeking tailored solutions. Forms 4506-T and 4506-C Not Required Alternative Income and Verification of Employment Documentation Options: 24 Consecutive Months. For
A flexible 12-month bank statement loan program designed for self-employed borrowers and business owners, offering up to 85% LTV with alternative income documentation. W-2 co-borrowers allowed. Asset depletion, multiple financed properties, and recent mortgage lates OK.
Federal Tax Transcripts Not Required Qualifying Criteria for this loan program are Asset Based. This program can also be used to supplement additional alt doc programs such as Bank Statements and/or 1099’s. Form 4506-T Not Required, and Form 4506-C Not Required This loan program is specifically designed for moderate to high-net-worth borrowers. Qualifying calculation based on verified liquid assets as an alternative method to traditional income verification to determine borrower’s ATR “Ability to Repay”. Our investors take a common-sense approach to underwriting the creditworthiness of a particular borrower regarding the individual’s ability to repay the loan. Asset-Based Loan Programs People and their financial situations can be complex and unique, each with their own qualities and compensating factors. Our objective is to identify a borrower’s reasonable ability to repay a loan
The Hard Money Super Jumbo Florida Mortgage Program offers rapid, equity-based financing—supporting purchase, rate-and-term, and cash-out refinances—for loan amounts starting at $5 million and extending up to $10 million on a case-by-case basis. Structured as a non-QM, hard money solution, it provides flexible qualification outside conventional underwriting.
Hard Money Loan Program All Property Types (Except Land & Manufactured Homes) 1st Trust Deeds Available and 2nd Trust Deed HELOC’s from $250,000 – $10,000,000 Guideline Highlights Bridge Loans Current NOD / NOS = OK Current Bankruptcy = OK Mortgage Lates = OK Low Fico Scores = OK Quick Funding Just Funded: $980,000 1st TD, $1,100,000 1st TD, $700,000 1st TD, $150,000 2nd HELOC, $250,000 2nd HELOC, $185,000 2nd HELOC, $145,000 2nd HELOC, $300,000 HELOC Available in the following states: Alabama, Arizona, California, Colorado, Florida, Georgia, Illinois, Nevada, Oregon, Texas, and Washington.
The P&L Only Mortgage Loan Program provides a streamlined, alternative documentation solution for borrowers with complex or unconventional income. Instead of traditional tax filings, applicants can use a 12-month profit and loss (P&L) statement—prepared by a CPA, CTEC, attorney, or EA—to verify income. The program supports up to 85% LTV for purchases and rate-and-term refinances, and 80% for cash-out refinances, with flexible terms for credit scores of 640 and above, including jumbo amounts up to $4 million.
Super Jumbo Alt-Doc loans with a 620 credit score: get up to $2.5M for purchases, flexible docs (bank statements, P&L), low down & broad eligibility.
Alt Doc Loans Bank Statement Loans Bank Statement Mortgages Jumbo Loan Programs Jumbo Loans
Stated Income Jumbo Construction Loan up to $10 Million for home builders. Short-term financing for construction projects—no 4506-T or 4506-C forms required. Ideal for builders developing subject properties in eligible locations.
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 up to $1,500,000. Available for investment properties, non-owner-occupied homes, and second homes, the program allows real estate investors to own up to 20 financed properties. Income Documentation N/A Minimum Credit Score/ Maximum LTV: * 700 Credit Score – 90% LTV * 680 Credit Score – 85% LTV * 660 Credit Score – 80% LTV * 640 Credit Score – 75% LTV Eligible Property Types: * SFR Single Family Residence * 2-unit * 4-unit Eligible Occupancies: * Investment Property / Non-Owner-Occupied * Second Home **Real Estate Investor can own up to 20 financed properties* Credit Notes: * Bankruptcy – 36 months seasoning required from bankruptcy discharge
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