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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-Prime True No Doc Mortgage Program

The Non-Prime True No Doc Mortgage Program is an equity-driven, alternative documentation option tailored for borrowers with unconventional income or documentation (like the self-employed, fixed-income individuals, or those with past credit challenges). No income, asset, or employment verification is required—Debt-to-Income

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03/11/2021 01/11/2026

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 for qualifying without traditional income proof. Flexible underwriting for self-employed home loans.

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10/15/2020 09/07/2025

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