Unconventional Mortgages and Loans | A Wealth of Information and Service

Non-Occupant Co-Borrower Mortgage Programs

Non-occupant co-borrower income can play a crucial role in determining the primary borrower's qualifying debt ratio and back-end DTI eligibility. Non-occupant co-borrowers allowed on refinance programs including cash out on second homes, and purchases with true blended ratios.

Niche Occupancy Loans - Guidelines and Highlights:

Non-QM 1099-Only Jumbo Mortgage

1099 Only Jumbo Home Loan 1099 mortgage financing for high-earning freelancers, independent contractors, gig workers, and self-employed business owners who may not qualify using traditional income documentation. Jumbo 1099 Loan Program for Sole Proprietors A flexible alternative income documentation mortgage

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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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Non-QM Super Jumbo Alt Doc

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.

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Non-QM – Stated Expense Ratio

Non-QM Stated Expense Ratio mortgage programs for self-employed borrowers using alternative income documentation. Bank statement lenders apply varying expense percentage rates to estimate business costs—key

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Alternative Income Documentation

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Non Qualified Mortgage Lending

Hard Money Lenders and Loans

Hard Money Niche Loans

Stated Income Loan Programs

Investment Property Loans

Cash Out Refinance

Cash Out Refinance

Second Mortgages

Construction Loans

Latest Loan Programs