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A Second Mortgage Bank Statement Loan allows qualified homeowners to access equity without refinancing their first mortgage. Using 12 to 24 months of personal or business bank statements instead of tax returns, this program provides a flexible solution for self-employed borrowers. Loan amounts and CLTV options extend up to 85%, depending on credit profile.
Access the equity in your home without the paperwork stress. Our Second Mortgage Bank-Statement Loan is for self-employed homeowners, freelancers, or anyone who lacks traditional income documentation.
Niche Loan Non-Prime Mortgage Our non-prime jumbo mortgage loan program offers flexible financing options, allowing borrowers to qualify using either 12 or 24 months of bank statements. Bank Statement Program for Self-Employed, 24 months This program is designed to meet the needs of those who may not fit full income documentation criteria while seeking substantial
The “Bank Statement Mortgage Documentation” documentation requirements for self-employed borrowers researching bank statement mortgage loan programs and eligibility requirements.
Borrow up to $3M with jumbo hard money loans at 80% LTV for fix & flip, bridge, construction & more. No 4506-T required, flexible income docs.
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 loan-to-value (LTV) of 85% and minimum credit score of 660. Available for owner-occupied and second homes, including eligible single-family residences (attached or detached) and low-rise condos (under four ). .5
Nontraditional Credit Loan Program | 620 Credit Score Required This loan is for borrowers that don’t have or don’t have enough traditional credit; credit that is reported to the 3 credit bureaus. The underwriter will require 3 credit accounts with a 12-month minimum history. These 3 pieces of “credit history” can be any combination of
1099 Only and Bank Statement Home Loans This loan program is for home buyers and homeowners that have a few late payments or recently experienced a housing event such as bankruptcy, foreclosure, or short sale. Why Non-Prime? Non-Prime mortgages are not only for challenged credit borrowers, but also good and excellent credit borrowers that require
Interest-Only Non-QM Jumbo Mortgage Product Interest Only – $2,000,000 Eligible Transactions: Purchase; Refinance – Rate/Term; Refinance – Cash Out Non-QM Mortgage Loans /”Interest-Only” Payment Option `Single Family Residence – Owner-Occupied /Primary Residence Credit Score /LTV /Loan Amount: * 720 – 90% – $1,500,000 * 680 – 80% – $2,000,000 * 740 – 90% – $2,000,000
Non-QM Alt Doc Bank Statement Loans to $10,000,000 Now you can use your 1099(s) to qualify as additional income/”ability to repay” (ATR) Non-QM loans are not subject to stringent guidelines and government regulation, rather, they fall under what is called an Ability to Repay Rule (ATR). We have a plethora of the best QM and
Our 24-Month Bank Statement Program offers a streamlined alternative: instead of relying on tax returns, you can qualify using up to two years of business or personal bank statements (or both), combined with a borrower-prepared profit & loss statement. This approach is designed for flexibility and ease of qualification, making it simpler to access financing
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 when their intention is to fix up the house and in effect fix up the neighborhood. Loan Purpose: Purchase and Rate and Term Refinance that comes with grant cash 203K
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 is just another benefit of this easy to close loan product specifically for real estate investors to maximize property cash flow. Business Entity Vesting – OK DSCR is considered a
Flexible financing for real estate investors, with DSCR options, jumbo limits, and competitive terms to grow all of your refinance property portfolios.
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 types.
True Stated Income 2026 | Form 4506-C Not Required An alternative to the “bank statement loan” program for the well-qualified self-employed borrower. You could say this is an equity-based loan program in that the max LTV would be 80%. You could also call it a “portfolio loan” or “Non-QM” mortgage. Self-Employed Home Loan Income and
Business Purpose Investor Loan Program Loan programs for homebuyers and homeowners looking to refinance, rate/Term and Cash Out their Single-Family Residence, Condo or Multi-Unit including Investors. DSCR Investor Loans support both purchase and cash-out refinancing options. Qualify for up to $10 million with an 85% LTV, a minimum DSCR of 0.85, and a 620 middle
This investor purchase loan program provides flexible financing for borrowers acquiring residential investment properties, second homes, and select owner-occupied properties. Qualified borrowers may finance multiple properties, use lease-based documentation, and access jumbo loan amounts from $250,000 to $4,000,000. Borrowers may own an unlimited number of properties; however, no more than 10 properties may currently have
Income is stated on Form 1003 without tax returns; self-employed borrowers with 30 % ownership provide bank statements and verified assets to qualify.
The Non-Qualified Mortgage Jumbo (55% DTI) program is designed for borrowers who may not have traditional documentation like tax returns, W-2s, or pay stubs. It offers flexible income verification via 1099-only, bank statement, asset depletion, P&L-only (unaudited), Alt-Doc (24 months), Lite-Doc (12 months), or Reduced-Doc employment packages—depending on documentation availability. Borrowers may qualify with up
Qualify for a mortgage using eligible liquid assets instead of relying exclusively on traditional employment income. Asset Qualifier loans offer financing up to $5 million, DTI ratios up to 55%, and flexible purchase, refinance, and cash-out options.
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 rolling along in a timely fashion. We are
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 business and investment purposes.
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
Self-Employed Home Loan Program This kind of loan product is for the Self-Employed borrower that can produce a 1-year P&L along with a letter from their tax professional verifying 2+ years of self-employment history in lieu of traditional tax returns and also can be an alternative to a “bank statement loan” for the well-qualified borrower.
Manual Underwriting Loan Programs Flexible Mortgage Solutions with Manual Underwriting Manual underwriting is designed for borrowers who may not meet traditional automated underwriting requirements. Instead of relying solely on credit scores and computer-driven approvals, a manual underwrite allows lenders to carefully review your full financial picture—income, assets, and payment history—to provide a tailored mortgage solution.
Jumbo cash-out refinance loan with DTI up to 55%, cash-out proceeds up to $1.5 million, loan amounts up to $3 million, and flexible fixed, ARM, and interest-only options.
12 month P&L statement along with 3 months bank statements to support P&L (10%-25% variance)..
DSCR loans remain a top choice for real estate investors. We offer flexible guidelines using income from both long- and short-term rentals, and can qualify using the higher of market rent or lease-stated rental income.
Super jumbo investor financing is available for loan amounts up to $30,000,000. The program uses manual underwriting and in-house credit decisions for real estate investors who may require financing outside standard jumbo or conventional lending guidelines. Personal income documentation is not required. Qualification is based on the property, borrower credit profile, assets, reserves, transaction structure,
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
Loan Purpose:PurchaseRate and Term RefinanceCash-out refinanceIRS 1031 Exchange for any borrower. Tax and insurance impounds required 12 Month Mortgage CreditSubject property and the borrower’s primary residence. The rest of the properties on the schedule of real estate will be checked via 3rd party sources to ensure there are no Notices of Default (NOD). Mortgages not
Bank Statements Jumbo Mortgage with a 3-Month Program. Use either business or personal bank statements as an alternative to the 6-month, 12-month, and 24-month options. Also offering 1-month and 2-month statement programs for greater flexibility in qualification.
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 (DTI) isn’t considered. With a minimum credit score of 680, it supports purchase, rate-and-term refinance,
Self-Employed Questionnaire Business information required to properly analyze bank statements Provide details of how income is generated: More than one physical site? (Check One) YES NO If Yes, how many? Total Monthly Payroll Expense: Do you manufacture a product, such that you have a cost of goods sold for the product you ultimately sell? Yes
Jumbo Purchase Loan for First-Time Homebuyers Up to $1,500,000 This jumbo mortgage program offers purchase, rate-and-term refinance, and cash-out refinance options for qualified borrowers. First-time homebuyers may finance up to $1,000,000 at 85% LTV, while eligible borrowers may qualify for up to 90% LTV on loan amounts up to $1,000,000 with as little as three
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 used as a stand-alone second mortgage or structured as a purchase-money piggyback loan alongside a first mortgage to achieve the desired total financing. Portfolio Lender HELOC to $1,000,000 Full income
Purchase or Cash Out Refinance options available with a minimum 620 credit score. The Real Estate Investor Program provides flexible income documentation, including Full Doc or DSCR (Debt Service Coverage Ratio) alternatives—ideal for investors seeking streamlined qualification using property cash flow instead of traditional income.
1099 Only Lite Doc Bank Statement Loan – Qualify with just 1 year of income and employment verification. Ideal for self-employed borrowers with a 660+ credit score. Get up to 90% LTV on loans up to $1,500,000. Includes asset utilization and does require Form 4506-C (formerly Form 4506-T) and one year of tax returns.
Non-QM lender in California: self-employed loans with alt docs — bank statements, 1099s, asset depletion. No 4506-C needed. Up to 90% LTV.
Stated Income Mortgage Loan Up to $4,000,000 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
1 Year Full Doc loan program for W-2 and self-employed borrowers using reduced income documentation. Financing up to $4 million, 85% LTV, and a 620 minimum credit score.
Commercial Mortgage Stated Income This Commercial Mortgage Loan Program Does Not Require Tax Returns or W-2’s Credit Score: 660 Middle Credit Score Loan Amount: Loan to Value: Eligible Property Types: Available Terms: Available in the Following States: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Kansas, Kentucky, Louisiana, Maine, Maryland,
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.
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.
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 pricing and potential underwriting exceptions.