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Condo Mortgage Program 90% LTV to $2,500,000 Purpose: Purchase, Refinance Cash Out Verbal Verification of Employment Options Available (V V O E) 40 Year Fixed Rate – Interest-Only Option with 660 Middle Credit Score Expanded Guidelines Options for Non-Traditional Condominium
Who Qualifies for this Loan Loan Terms & LTV Guidelines Refinancing & Cash-Out Options Borrowers may qualify for cash-out refinancing with unlimited cash at closing, provided LTV requirements are met. Geographic Coverage This loan program is available in all 50
“Jumbo cash-out refinance up to $1,500,000 with a 680 credit score. Up to 75% LTV, alt-doc OK, no mortgage insurance, fast decisions.”
The Stated Income Owner-Occupied Jumbo program (updated July 31, 2025) provides borrowers who prefer not to provide income documentation or tax transcripts. Purchase loans to
High-LTV program offering up to 96.5% financing with a 630 score, flexible credit rules, and owner-occupied options for purchase or rate-term refinance.
Bank Statement Alt Doc Options Available – 2026 Updates We calculate your monthly income number (DTI purposes) before your loan is submitted to the underwriter
This program enables primary owner-occupied loans from $500,000 to $5,000,000 for purchase, refinance, cash-out, construction, bridge, or blanket financing.
Discover our comprehensive Bank Statement Non-Prime Loan Program, offering flexible solutions for diverse financial profiles on our Non-Prime mortgages.
Super Jumbo Bank Statement Loan for Self-Employed Borrowers The Super Jumbo Bank Statement Loan is designed for self-employed borrowers seeking high-balance financing with flexible income
This second mortgage program is designed for qualified borrowers with a 720 credit score seeking financing up to 85% combined loan-to-value (CLTV). It may be
Subprime bank-statement loan: Alt-doc financing using bank statements for income. Higher-risk, flexible qualification even with credit blemishes.
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.
Inherited Property Financing 75% Loan-to-Value (LTV) This loan program is for people that have lost a family member and would like to keep the home.
See the essential terms of interest-only mortgages, including flexible LTV options, acceptance of cannabis income, and
criteria for self-employed borrowers. This guide provides valuable
Our alternative documentation mortgage program features a Lite Doc option for borrowers seeking simplified income verification. Applicants can qualify using only the past 12 months
High-LTV condo jumbo financing up to 90% LTV and $2.5M, offering flexible credit options for purchases and cash-out refinances on a wide range of condo
Alt-Doc for Real-Estate Investors: Rent & business bank statements, lease income or Airbnb qualify. Flexible docs, no tax returns required.
Cash Grant for Repairs This is a government program available to most borrowers. The government likes it when a homeowner buys in a rough area
The One-Month Alt-Doc Bank Statement Jumbo program offered self-employed borrowers by allowing approval with only the most recent month’s bank statement—no tax returns required. This
Jumbo Loan Amounts to $4,000,000 85% LTV -.08 x Tap into your home’s equity with a jumbo cash-out refinance up to $4,000,000 with a maximum
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
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
DSCR First Time Investor Loan OK Our DSCR cash flow loan offers borrowers an interest-only option to qualify using the interest-only payment plus escrows. This
Non-QM lender in California: self-employed loans with alt docs — bank statements, 1099s, asset depletion. No 4506-C needed. Up to 90% LTV.
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.
1 Year Full Doc Program – Reduced Employment Reduced doc loan program is for both W2 Wage Earner and Self-Employed borrowers. 1099 Only loan programs
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
Manufactured Home Loan Programs 680 Credit Score, Minimum 50% – Maximum Debt-to-Income Ratio DTI No Cash Out All Automated Underwriting Owner-Occupied Only FHA Maximum LTV:
Portfolio Direct Lender is a direct lender with their own portfolio of loan products and programs, and they make their own Non-QM and Non-Prime manual
Vesting Title in Legal Entities for Business Purpose Mortgages. This program allows borrowers to title property under Corporations, LLCs, or Partnerships—offering flexible vesting options for
Real estate investor cash-out with bank-statement loans: use rentals, 1099 or Airbnb income, alt docs. Up to 85% LTV, flexible credit & no tax return
Income is stated on Form 1003 without tax returns; self-employed borrowers with 30 % ownership provide bank statements and verified assets to qualify.
Conventional Lender – Minimal Overlays The condition “Purchase: Source & season Earnest Money Deposit in the amount of $XXXX is usually not required. Stock and
DSCR stands for Debt Service Coverage Ratio loans, which allow real estate investors to qualify based on property cash flow rather than personal income making
Jumbo Non-QM Bank Statement Loans offer self-employed and high-income borrowers a flexible way to qualify for jumbo mortgages without tax returns. Borrow up to $5
Fix & Flip Flexible Capital Program: At Broker Mortgages, our Fix & Flip Program gives real estate investors the financial power to acquire, renovate, and
Super Jumbo Non-QM Mortgage Broker Loan Program Our Super Jumbo Non-QM Mortgage Broker program is designed for high-net-worth borrowers seeking maximum flexibility and financing solutions
Hard money jumbo loans in California offer flexible financing with no personal income verification, allowing borrowers to qualify based on liquid assets for reduced investor
Manual Underwrite Super Jumbo Mortgage Super Jumbo Non-Conventional Mortgage Loan Program | Flexibility | Freedom | Buying Power Mortgage financing freedom ability available to purchase
Super Jumbo Non-Prime Alt Doc – $10,000,000 Documentation: Bank Statements from 600+ FICO to 90% LTV Full Income Documentation to 90% LTV | Tax Returns,
Lite Doc Jumbo and Super Jumbo Mortgage Purpose: Purchase, Rate/Term and Cash Out (6 Months Purchase/Title Seasoning for “Current Market Value”) Wage earners may qualify
Access up to $750,000 with a Stand-Alone Second Mortgage—no need to refinance. Requires 680+ credit score, supports primary and second homes.
Alt-Doc Mortgage Program: Flexible financing up to 90% LTV with loan amounts from $1.5M to $3.5M. No 4506-T or 4506-C forms required. Reserve requirement: 6