Speak to a Loan Officer (800) 718-8906
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-Qualified Mortgages and Non-QM Mortgage Brokers In an ever-evolving Non-Qualified mortgage market, We continue to expand our products and guidelines Our team of Non-QM Mortgage Brokers is committed to continually enhancing our Non-Qualified Mortgage products and guidelines. Non-QM Mortgage Broker – Bank Statement Loan to $5,000,000 Use Personal and/or Business Bank Statements and No 4506-T or 4506-C. As a leading Non-QM Mortgage Broker, we offer Bank Statement Loans to 90% Loan-to-Value (LTV). With a minimum credit score requirement of
3-Month Bank Statement Loans in California help self-employed borrowers qualify using just three months of ”income deposits”, no tax returns or W-2s required. Ideal for strong recent income, jumbo financing.
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.
Bank Statement and Asset Depletion 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. Non-QM Income Documentation Options for the Self-Employed Borrower Tax Returns not required; Form 4506-T (now Form 4506-C) not required. Form 4506-C (formerly Form 4506-T) is also not required for Self-Employed borrowers. Form 4506-C is required for W2 Wage Earners only. If W2 Income
Maximum Loan Amount: $4,000,000 Cash Out: $1,500,000 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 closing Non-QM Alt Doc loans in 10-21 days. Innovative Product and Service Non-Prime solutions that other loan
One-year alternative income as well as employment verification (VOE) documentation. “Lite Doc” loan programs fit self-employed borrowers. Lite Doc and Reduced Doc programs are also available to W2 Wage Earner income for both the Primary Borrower and Co-borrower (salary, hourly wage, overtime, commission, bonus, tips). Questions? ~ Speak to a Loan Officer (800) 718-8906.
Bank Statement Loans for Self Employed Borrowers Whether you’re purchasing your first home or expanding your real estate portfolio, these loans adapt to your income profile and make your homeownership goals achievable. Bank statement loans are a game-changer for self-employed individuals seeking home financing. These loans allow the use of personal or business bank account statements to qualify, bypassing traditional income verification requirements. For self-employed homebuyers, Non-QM mortgage lending provides flexibility. Alt-doc loans empower those with unique income structures,
Manual Underwrite Super Jumbo Mortgage Super Jumbo Non-Conventional Mortgage Loan Program | Flexibility | Freedom | Buying Power Mortgage financing freedom ability available to purchase a home or expand your real estate portfolio manually underwritten home loan program and can be for anyone with either an overall credit profile deficiency or high compensating factors such as liquid reserves and equity position, Real Estate Owned. (REO) portfolio. Unconventional Super Jumbo Mortgages Loans We have originated and closed this loan program
We offer a wide variety of Bank Statement loan programs with expanded underwriter guidelines from the best Non-QM lenders in California from the leading Investors. Non-QM lender are changing the how self-employed borrowers qualify for their mortgage credit.
Questions? Speak to a Loan Officer (800) 718-8906.
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
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 Non-QM lenders and loan programs for this very reason, to accommodate individuals by matching you, the borrower with the best possible loan program to
720 Credit Score Mortgage – 85% Maximum CLTV This loan program can be a “stand-alone” second mortgage or used in conjunction with a first mortgage close usually to achieve the desired LTV. Full Doc Income documentation for this program. Purpose Highlights: * Purchase (piggy-back)* Maximum Loan amount – $750,000* 700 Score to 70% Loan-to-Value (LTV)* Cash Out Refinance – Maximum loan amount to $250,000 Available Terms: * HELOC – 10 Year draw @ 1-2% of balance repayment and 20
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 documentation. This lite documentation (Lite Doc) mortgage program supports purchase, rate-and-term refinance, and cash-out refinance transactions for qualifying borrowers. Program Overview and Loan Highlights Income Documentation – Self-Employed (Lite Doc Options) Verification of Employment – Self-Employed Co-Borrower and Wage Earner Eligibility W-2 wage earner co-borrowers are permitted. Required Wage Earner Documentation: Credit and Debt
Sole Proprietor Super Jumbo Loan Program – $7,500,000 This particular 1099 Only income documentation mortgage loan can accommodate Sole Proprietors, Independent Contractors, and Freelance Professionals with a high DTI by utilizing a Non-Occupying Co-Borrowers. Also regarding a high DTI on Cash Out Refinance loans, you have the option of paying off debt to reduce your DTI and reserve requirements. 1099 Only Lite Doc and Reduced Doc Loans – 1 or 2 Years Independent Contractor borrowers can qualify for home
DSCR stands for Debt Service Coverage Ratio loans, which allow real estate investors to qualify based on property cash flow rather than personal income.
Benefits of DSCR Loans:
No Personal Income Verification – Approval is based on rental income.
Easier Qualification – Ideal for self-employed investors.
Flexible Loan Options – Available for various property types.
Fast Closing – Less paperwork speeds up approval. For more details on DSCR and other loan programs, see below. Questions? Speak to a Loan
Non-Prime Jumbo Program Loan Amount – $3,500,000 600 Credit Score Jumbo Mortgage Program, designed to provide accessible financing solutions for discerning investors. With loan amounts up to $3,500,000, our Alt Doc Super Jumbo program offers competitive terms. Alt Doc Super Jumbo – 90% LTV Loan-to-Value (LTV) ratio. Eligible property types include Single Family Residences and Condos with less than 4 stories. Our terms offer Adjustable Rate Mortgages (ARMs) for better pricing. Purchasing to 80% LTV or cash-out refinancing at
How is Bank Statement Income Calculated? Total deposits, less business expense ratio, annualized, multiplied by the % of ownership. Standard 50/50 deposit to expense ratio is used but can be up to 65/35 if supported by a CPA expense statement. Company Ownership % Borrower(s) must own at least 50% of the company to use a business account for income. Business Bank Statements If the borrower also has a Business Bank Account we will use 100% of personal account deposits
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 million using 12–24 months of personal or business bank statements to document income, perfect for complex or unconventional financial profiles.
Asset Depletion Program: turn your assets like stocks or investments into income, boost your borrowing power without pay stubs.
Overview & Underwriting Philosophy Summary: Programs & Products {#programs} Summary of available documentation types: Eligible Product Terms: Key Limits (matrix-driven): Property Eligibility Eligible: Ineligible (summary): Appraisal Requirements: Condos: Transaction Types {#transactions} Purchase – LTV based on lower of sales price or value Rate/Term Refinance: Cash-Out Refi DSCR Cash-Out: Borrower Requirements {#borrower} General: Residency Types: First-Time Homebuyers / Investors: Allowed but subject to guideline overlays. Credit Guidelines {#credit} Credit Report Requirements: Major Life Events: Tradelines: Assets Documentation: Reserves: Income Documentation
Prime & Non-Prime | Self-Employed Borrowers Our Investor Bank Statement Loan program caters to borrowers who thrive outside the conventional lending box. As a portfolio direct lender, we make our own Non-QM and Non-Prime manual underwriting decisions, offering flexibility and real-world judgment rather than rigid, automated approvals. Some portfolio lenders also operate as banks, lending both their own capital and through established portfolio commitments. Credit Flexibility & Underwriter Discretion Niche Lending Solutions LTV / Loan Amount / FICO Matrix
Aggressive asset depletion programs that can be utilized with other income. Explore a range of contemporary asset-based financing choices available in 2025 for your new home loan needs. Asset Depletion Lenders provide loan programs leveraging liquid assets and, in some cases, real estate equity, tailored to your credit profile. Asset Depletion enables borrowers to qualify for their preferred mortgage, offering customized terms and approval conditions to suit individual requirements and preferences, potentially resulting in more attractive pricing. Speak 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.
Second Mortgage Bank Statement Jumbo Loan. Flexible CLTV options with loan amounts starting at $250,000, up to 85% CLTV. Available for larger loans, with 80% CLTV for $350,000 and 75% CLTV for higher amounts. Ideal for self-employed borrowers using bank statements for qualification.
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 needed.
This Jumbo Loan program helps borrowers that have experienced a credit event get approved for up to $4,000,000. Occupies include second homes, and investment properties plus no PMI down payment sources in California available.
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 pricing, reasonable terms, and advantageous approval conditions (Conditional Loan Approval | CLA)) to increase their chances of getting approved for a reasonable mortgage without being required to produce documentation that will almost always eliminate their chances for success in obtaining an effective income documentation self-employed home loan approval. IRS Form 4506-T and 4506-C Not
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.
Stated Income and SIVA Options: Stated income loans cater to self-employed individuals or investors with or without liquid reserve requirements who prefer simplified income verification. The Stated Income/Verified Assets (SIVA) option is available for borrowers who can verify their assets but not their income, offering a balance between flexibility and qualification requirements.
Flexible financing for real estate investors, with DSCR options, jumbo limits, and competitive terms to grow all of your refinance property portfolios.
Flexible portfolio mortgage options including jumbo loans to $15M, FHA flips, multiple financed properties, and alternative qualifying solutions.
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.
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.
Non-Prime – No Income and No Employment If you’re seeking the right Non-Prime No-Income/No-Employment program requiring minimal documentation.With no verification of income or employment required, this option is well-suited for investors, and borrowers with or without complex financial profiles who may not fit traditional underwriting standards. The structure focuses on equity, and property stability rather than conventional income metrics, allowing borrowers to secure financing with significantly reduced friction. This program also supports exceptionally high loan amounts, offering up to
6-Month Bank Statement Loan – 680 Credit Score This Six-Month Bank Statement Loan program caters to borrowers with a 680 credit score or higher, designed specifically for those demonstrating substantial income growth in the recent six months. This Non-QM mortgage option provides flexibility for self-employed individuals and business owners who may not qualify through traditional income verification. Our Right Mortgage is Your Ideal Approval This Bank Statement Loan program is ideal for borrowers that have experienced significant revenue growth in the
High 95% LTV Cash Out Financing 5% Down Payment for your Jumbo purchase or 95% LTV Jumbo financing for Rate / Term refinance. Cash Out is also available on this program & may be used for any purpose including reserve requirements. 95% LTV cash out by exception only. Interest Only feature available – 620 middle “mortgage credit score”. Non-occupant borrowers – OK (income, reserves, and credit profile) Bank Statement Loan Details One-year alternative income documentation programs are considered Lite Doc. Lite Doc – 1-Year (55%
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.
Jumbo Second Mortgage | Alt Doc + Minimum Mortgage Credit Score: 680 Available Terms – 15- or 20 Year Fixed Rate Second Mortgages. Available for Refinance or Purchase HELOCs available on Refinances (except Texas) Loan Amounts: Maximum Loan Amount $350,000 Minimum Loan Amount $200,000 $100,000 Minimum Loan Amount on HELOCs Stand Alone or Combo (1st and 2nd) Loan Packages Available Property Types: Single Family Residence, 1-2 Units, Condos (<4 stories) Occupancy: Owner Occupied. Non-Owner-Occupied Available in the Following States:
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.
“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.”
Income is stated on Form 1003 without tax returns; self-employed borrowers with 30 % ownership provide bank statements and verified assets to qualify.
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 Business Purpose Loan simply because the subject property is an investment property. However, we do have Business Loan Programs for primary residences, too. Highlights
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.
Our Bank Statement Mortgage Program offers self-employed borrowers and independent contractors a flexible financing solution without traditional income verification. Qualify using 24 months of personal or business bank statements with loan amounts up to $5,000,000 and LTVs up to 90%.
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
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.
Non-Prime Alt Doc Self-Employed Program Non-Prime mortgages are not only for challenged credit borrowers, but also good and excellent credit borrowers that require a higher risk and more aggressive loan program; 95% LTV Cash Out refinance would be one example. Non-Prime Loan Program Highlights: * Available for Purchase and Rate/Term or Cash Out refinance. Maximum Cash Out $1,500,000. * Third party CPA Letter – The “CPA letter” does not need to be the same CPA that filled your taxes.
Jumbo Purchase Loan for the First-Time Homebuyer to $1,000,000 Eligible Transactions: Purchase. See refinance loans Loan Amounts to $2,500,000 Financing up to $2,500,000 with options for first-time homebuyers up to $1,000,000 at 85% LTV. For larger purchases, secure up to 90% LTV on loans to $1,000,000 with just 3 months of reserves, covering principal, interest, taxes, and insurance. Loan Amount – Reserves Requirements:* $2,500,000 – 18 Months Reserves* $2,000,000 – 12 Months Reserves* $1,500,000 – 9 Months Reserves* $1,00,000
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.
Super Jumbo Hard Money Loan Program 1st, 2nd, and 3rd Stand-Alone Mortgage | Forms 4506-T and 4506-C Not Required LTV – 70% to 75% depending on property location and property condition Eligible Occupancies: * Owner-Occupied (Business Purpose) * Non-Owner Occupied Eligible Property Types: * Residential (SFR, 2-unit, 4-unit) & Commercial properties Term – Short Term Bridge or longer-term loans No Prepayment Penalties Credit Score – No FICO Minimums, No Tax Returns Required, and, in some cases, No Appraisal Required
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 both traditional and Non-traditional credit and can come from either the borrower or co-borrower for a total of six, minimum. Underwriting Guideline Highlights: Purpose:
Super Jumbo Second Mortgage Home Renovation Loan Program Renovations are hard work. Get your financing in line. Feel comfortable and confident your financing needs are locked in. Finding the right financing solution should be simple and quick. In as little as nine days, you can obtain up to $5 million in funding for your investment acquisition. ARV Home Renovation The ARV loan program is designed for independent real estate investors who find it tough to qualify. based on the
Conventional Lender – Minimal Overlays The condition “Purchase: Source & season Earnest Money Deposit in the amount of $XXXX is usually not required. Stock and Mutual Funds Accounts one recent monthly or quarterly statement is required. There is no requirement for a 2-month history if the most recent one-month statement is provided. Large Deposits on a Refinance Documentation or explanation for large deposits is not required, however, the lender remains responsible for ensuring that any borrowed funds, including any
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 Streamline is a fast and easy mortgage loan Include up to $35,000 in repair expense No Manufactured Homes 640 Credit Score minimum Owner Occupied
A lender committed to providing gap financing solutions 1st and 2nd Loan Packages Cross collateralization for larger loan sizes Fast underwriting decisions and funding Additional information coming soon Available in the Following States: Alabama, Alaska, Arizona, Arkansas, California, Delaware, Florida, Georgia, Hawaii, Illinois, Maine, Maryland, Massachusetts, Mississippi, Nevada, New Jersey, North Carolina, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Washington, and Wisconsin.
California SIVA program: State income on the 1003, verify assets (no tax returns/W-2s), up to $3,500,000 purchase or $2,000.000 cash-out refinance.
Asset depletion mortgage: Use liquid assets (cash, investments, retirement) as qualifying “income.” No W-2s or tax returns required—ideal for asset-rich borrowers.
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 rated on the credit report require canceled checks. The following is our delinquency tolerance on mortgages: No delinquencies in the past 90 daysAll must
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 for purchases or refinances, including cash-out options.
Alt-Doc for Real-Estate Investors: Rent & business bank statements, lease income or Airbnb qualify. Flexible docs, no tax returns required.
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. Who Benefits from Manual Underwriting? Key Features of Manual Underwriting Loans Why Choose a Broker for Manual Underwriting? Working with a mortgage broker gives
Fix & Flip Flexible Capital Program: At Broker Mortgages, our Fix & Flip Program gives real estate investors the financial power to acquire, renovate, and resell properties quickly — without the long wait times of traditional lenders. Whether you’re a seasoned house flipper or exploring your first rehab project, our tailored financing solutions help you turn opportunities into profits. Why Our Fix & Flip Program? Fast to Flip Properties with Confidence Who Qualifies? How It Works (Simple 4-Step Process)
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 are also available. All Lite Doc and Reduced Doc Loans Require Previous one year Form 4506-C. Income Documentation – One Year Lite Doc | Full Doc ~ * One Year business and personal tax return with all schedules * Profit and Loss Statement or balance sheet starting month after previous year tax return (file
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 *
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
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
12 Months Income Alternative to 24 Months As an alternative to the standard two years of income documentation, we have two options for you: either provide one year W2 alongside 30 days of paycheck stubs year to date (YTD), or submit one year tax returns along with year to date Profit and Loss (P&L) statement. Form 4506-C is Required. One year business seasoning required. Lite: 12 Months Income Verification * Previous Year W2 + 30 Days paystubs with YTD
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.
This program enables primary owner-occupied loans from $500,000 to $5,000,000 for purchase, refinance, cash-out, construction, bridge, or blanket financing.
Debt Service Coverage Ratio (DSCR) – No Ratio program for real estate investors up to $5,000,000. Eligible for purchase and cash-out refinance with no employment or traditional income documentation required. Income is based on rental leases or appraisal. No DTI ratio applies, and credit score, LTV, and reserves are key factors.
Bank Statement Employment Documentation: Verify self-employment with CPA letter or license. Qualify with 12–24 months statements, no tax returns required.
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.
Bank Statement Mortgage – Wage Earner Jumbo and Super Jumbo Alt Doc Mortgage Purpose: Purchase, Rate/Term and Cash Out Lite Doc – W2 Wage Earner Wage Earner Income Documentation – Lite Doc * One (1) Year Employment Verification * Previous Year W2 and YTD Paycheck Stub * Verbal Verification of Employment * 4506-T Signed and Executed Self Employed Income Documentation – Lite Doc Bank Statements – 1 Year Self-Employed Bank Statements for Income: 8 Options: * 12 Months Business
Jumbo Bank Statement Loan to $5,000,000. Alt-doc qualifying with 12–24 month. bank statements, up to 55% DTI, and $2,500,000 cash-out available.
Flexible Financing for Homes and Acreage in Rural AreasOur Rural Property Loans are designed for buyers and investors seeking mortgages for residences or acreage beyond metropolitan areas. We provide programs that address unique property types and income profiles that may not fit traditional guidelines. Key Features Why Choose Broker Mortgages With deep expertise in non-QM and portfolio lending, we help clients secure mortgages that fit rural property needs. Our personalized approach ensures you receive the best guidance and loan
Non-QM Mortgage Broker Loan Purpose: Purchase; Rate/Term and Cash Out Refinance; Construction; Commercial; Acquisition For the Super Jumbo Loan Program facilitated by our Non-QM Mortgage Broker, various loan purposes are accommodated, including Purchase, Rate/Term and Cash Out Refinance, Construction, Commercial, and Acquisition, with loan amounts ranging from $200,000 to $10,000,000. Applicants are required to have a minimum net worth of $2,000,000 to qualify for this loan. This loan offers unparalleled flexibility, allowing borrowers to utilize the funds for any
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.
12 month P&L statement along with 3 months bank statements to support P&L (10%-25% variance)..
Self-Employed Mortgage One Month Bank Statement Option One-Month Bank Statement Loan for Self-Employed: A flexible mortgage solution for purchases, rate/term refinances, and cash-out options. Ideal for self-employed borrowers, this program requires only one month of bank statements for qualification. Non-Qualified Mortgage Program Jumbo Loan The Income is stated and is not calculated (No Ratio) from the One-Month Bank Statement. The main Bank Statement Qualifying Criteria is the ending balance must end in a positive balance with no NSF’s. Income
True Stated Income 2025 | 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 Employment Documentation Stated Income/Verified Asset mortgage programs are for borrowers that own their own business. Business entity types: C corporation, S corporation, LLC, partnerships.
A No Ratio loan requires your employment to be listed in the income section of the 1003 application, but no ratios are calculated or qualified.. One of our favorites. Reserves also not required. No Ratio mortgages are important for borrowers with irregular or non-traditional income streams, such as self-employed individuals or investors. or those with either complex finances, or simply no finances, at all. Unlike conventional loans, they do not require a debt-to-income (DTI) ratio, making these loans ideal
For borrowers seeking minimal documentation, the Stated Income/Stated Assets (SISA) option provides an easy and opportune loan approval, focusing on stated financial details rather than extensive verification. This makes it a practical choice for self-employed borrowers and investors with unconventional or nonexistent income revenue streams.
Questions? Speak to a Loan Officer (800) 718-8906.
1099-Only mortgage programs are intended for sole proprietors and independent contractors. Borrowers qualify using one or multiple 1099s from the past one or two years with and without a YTD P&L; Depending on the lender may require 2-3 business banks statements in lieu. Speak to a licensed loan officer (800) 718-8906. Additional information on loan program requirements below.
A No Doc (no documentation) Loan is an easy and convenient financing option that does not require you to provide any documentation, income, asset, or employment. Unemployed people and often require specialized service, which our skilled loan officers provide. We offer diverse No Doc mortgage loan programs, each tailored with unique guidelines, matrices, specialties, and strengths.
One year employment and one year income. Reduced Doc mortgages are for people with less than two years employment history and can be self-employed, W2 wage earner, 1099(s), or any combination thereof. What this means to you is you only need to provide one year of employment verification documentation instead of the standard two-year history requirement. | Questions? Speak to a Loan Officer (800) 718-8906.
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.
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
Super Jumbo Bank Financing up to $30 Million. Portfolio mortgage with flexible Lite Doc options, including 1099 Only income documentation up to $3M. Designed for high-net-worth borrowers seeking large loan amounts with alternative income verification.
Soft Money Mortgage Program Exceptions made to 75% LTV for qualifying counties in the state of California. This means that the pricing is less than the traditional Hard Money type loan program. Alt Doc Income Documentation referred to as a No Doc or Business Purpose for Non-Owner Occupied and Business Purpose for Owner-Occupied for Purchase, R&T Refinance and Cash Out Refinance. Private Money Loans – Up to 75% LTV Access private money loans up to 70% LTV for purchases
One-Year W-2 Jumbo: low-doc jumbo non-QM loans; 1-year W2 income, bank-statements, asset depletion. Up to $6M, 90% LTV for refi, 10% down for purchases.
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.
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.
Qualifying for a mortgage on an investment property can be tricky, particularly if you own multiple properties. The DSCR (Debt Service Coverage Ratio) option makes qualifying simple: The only income considered to determine qualification is the rental income from the subject property vs. the PITIA payment. No DTI is developed. DSCR Cash Out Refinance The DSCR option makes qualifying for a Cash Out refinance simple: The only income considered to determine qualification is the rental income from the subject
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.
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 Stated Income/Verified Assets (SIVA) Jumbo Loan Program, updated July 10, 2025, offers a high-net-worth, asset-based pathway to home financing without requiring tax returns or IRS Form 4506-C. Borrowers may qualify using verified assets.
12-Month Bank Statement Program expands its reach with low-doc qualifications for self-employed borrowers including sole proprietors and independent contractors, requiring only a 12-month average of gross deposits instead of traditional income documentation.
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 to 90% LTV for purchase, 85% for rate/term refinance, and 80% for cash-out refinance, with a generous 55% debt-to-income limit, extended amortization options, and
Access up to $750,000 with a Stand-Alone Second Mortgage—no need to refinance. Requires 680+ credit score, supports primary and second homes.
The DSCR (Debt Service Coverage Ratio) Loan Program is built for experienced real estate investors, allowing up to 25 financed properties—far beyond most investor loan limits. Program guidelines are designed for flexibility, with no income verification and qualification based on property cash flow.
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
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 90% LTV up to $3.5 million, cash-out up to 90% LTV to $2 million and 85% LTV to $4 million.
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.
Prime and Non-Prime Bank Statement Options Portfolio Direct Lender is a specialized direct lender offering an exclusive portfolio of loan products and programs. They make independent underwriting decisions for Non-QM and Non-Prime loans, ensuring a tailored lending experience Credit Leniency and Underwriter Discretion Solutions This loan program works well for borrower’s that fall outside the standard Non-QM box with credit scores as low as 600 and minimal tradelines required. Major credit events only require 2 years of seasoning. Mortgage
Self-Employed Home Loan 600 Credit Score Self-employed borrowers with credit scores as low as 600 can access flexible home financing through our alt doc mortgage programs. These loans are tailored for business owners, freelancers, and entrepreneurs who may not qualify through traditional income verification. 12 Months Bank Statements – 90% LTV – 680 Credit Score Go with our 12-Month Bank Statement Loan, which requires only one year of bank statements and employment verification. Borrowers with a 680 credit score
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.
Flexible ITIN mortgage loans for non-U.S. citizens. Finance or refinance investment properties with up to 90% LTV and no tax returns required.
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.
The Non-Qualified Mortgage Jumbo (55% DTI) program is for borrowers with a high debt ratio via 1099-only, bank statement, asset depletion, P&L-only (unaudited).
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,
Alt Doc Loans Bank Statement Loans Bank Statement Mortgages Jumbo Loan Programs Jumbo Loans
Non-QM lender in California: self-employed loans with alt docs — bank statements, 1099s, asset depletion. No 4506-C needed. Up to 90% LTV.
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 of income, either through one year of W-2s with recent pay stubs or a year of tax returns along with a current profit and loss statement supported by a 4506-C form. This streamlined option is well-suited for those looking for an easier path to mortgage approval.
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. Self-Employed Home Loans – All Income Documentation Programs Product Term: 7/1 Forms 4506-T and 4506-C Not Required Self-Employed Income Documentation Options: * * Low
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.
24-Month Business & Personal Commingled Bank Account Mortgage. A specialized program allowing the use of both business and personal bank statements for qualification. Perfect for self-employed borrowers whose bank statements have previously hindered approval, offering flexible financing solutions.
3-Month Bank Statement Loan. Use either 3 months of business or personal bank statements as an alternative to the 6-month, 12-month, and 24-month programs. Ideal for self-employed borrowers seeking a streamlined qualification process with flexible terms.
One Month Bank Statement Loan Program for self-employed borrowers. A flexible solution allowing qualification with just 1 month of bank statements, ideal for those seeking an alternative to traditional income documentation. A Non-QM option for streamlined approval.
Access up to $750,000 with our Stand-Alone Second Mortgage Loan Program—no need to refinance your first mortgage. Available for primary and second homes, this program offers up to 90% CLTV with a minimum 680 credit score. Full income documentation required; salaried and self-employed borrowers eligible.
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
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.
Flexible income documentation options with as little as 3 months of personal or business bank statements. This 3-month program is a streamlined alternative to 6-, 12-, and 24-month options. Borrowers with credit scores above 700 may qualify with just 1 or 2 months. Income combinations allowed — including Co-Borrower W-2s plus bank statements.
Non-QM Mortgage Broker Service We determine your qualifying income down to the dollar before you go through the full application process, credit check, and preliminary documentation. This ensures the numbers align upfront, saving you time and effort. Bank Statement Service Once your Loan Officer reviews your bank statements, they may have questions about deposits, income sources, or transfers to clarify how you manage your business finances. This helps anticipate any concerns from the lender representative (Wholesale Account Executive) before
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 months for primary residence, plus 3 months per additional property owned.
The Bank Statement Loans highlights a suite self-employed borrowers that cannot provide conventional income documentation including the 12-Month Bank Statement option to enable qualification using bank statements providing a flexible, documentation-light path to financing.
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.
DSRC Investor Loan Program – No Income Verification Qualify for a self-employed mortgage with loan amounts up to $5,000,000 and a 760 middle mortgage credit score. No income documentation, employment verification, or 4506-C form required. This program is ideal for self-employed borrowers seeking a hassle-free approval process without traditional income verification. Jumbo Loan Amount to $2,500,000 Super Jumbo Loan Amount to $5,000,000 Purchase & Rate/Term Refinance: Refinance Cash Out: Loan Amounts: $5,000,000 – 760 Middle Mortgage Credit Score *
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 *
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 * 720 – 70% – $2,500,000 * 720 – 70% – $3,000,000 2-4 Units: * 700 – 75% – $2,000,000 * 720 – 70%
Self Employed 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 a higher risk and more aggressive loan program; 95% LTV Cash Out refinance would be 1 example. IRS Form 4506-C Not Required
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, and cash-out refinance, offering up to 80% LTV for purchase and rate-term, and 75% for cash-out. Available for various property types (owner-occupied, vacation, non-owner
Asset Qualifier Portfolio Mortgage with asset-based income documentation. Ideal for borrowers using 1099s (sole proprietors) to demonstrate ability to repay. Allows DTI ratios up to 55%, stated business purpose loans, and subordinate financing. Flexible lending based on assets, not just income.
Stated Income / No Doc This hard money asset-based stated income / No Doc loan program is designed for borrowers who need an asset-based lending solution. This program does not require income documentation, making it ideal for those who may not qualify through traditional methods. Manual Underwriting We offer flexibility for borrowers facing financial challenges, including those currently in foreclosure, bankruptcy, or with past bankruptcies. Even properties in probate are eligible, providing solutions for unique financing situations. This program
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 Non-Qualified Mortgage solution is ideal for borrowers needing fast, flexible underwriting when traditional income documentation isn’t available.
Subprime bank-statement loan: Alt-doc financing using bank statements for income. Higher-risk, flexible qualification even with credit blemishes.
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.
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 options, this program accommodates credit scores as low as 600, including previous bankruptcies, foreclosures, and short sales.
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 underwriting decisions. Some Portfolio lenders can also be a bank that lends their own money as well as a portfolio they contribute to or commit to a predetermined lender service term. Credit Leniency and Underwriter Discretion Solutions This loan program works well for borrower’s that fall outside the standard Non-QM box with credit scores
Non-Prime Mortgage Loan Program – 580 Credit Score Our Non-Prime Mortgage Loan Program is designed to help borrowers with less-than-perfect credit access home financing. Co-borrowers must have a minimum 580 credit score and may not exceed 42% of total income contribution. This program requires full income documentation and supports various loan purposes. Program Highlights: Maximum Loan Amount: $1,500,000 LTV Limits: * Purchase & Rate/Term Refinance: Up to 80% LTV * Cash-Out Refinance: Up to 75% LTV Cash-Out Limits: *
Bank Statement Alt Doc Options Available – 2025 Updates We calculate your monthly income number (DTI purposes) before your loan is submitted to the underwriter based on either your previous 3 months, 6 months, 12- or 24- months bank statements. Saves time because it will be a clean loan, the way the underwriter likes it. Quicker turn times and happy borrowers. Interest rates are always important. Service is key. Mortgages can come with a lot of moving parts. Personal
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 Purpose: * Purchase * Refinance * Cash Out Refinance. Cash out can be used for any reason and is capped at 70% LTV Loan Amount: * $250,000 minimum * Super Jumbo to $5,000,000 Maximum Loan to Value: * 85% LTV Purchase Maximum * 80% LTV Cash Out Refinance Maximum Eligible Property Types: * Multi-Unit >5 Units
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.
The Bank Statement Loans highlights a suite self-employed borrowers that cannot provide conventional income documentation including the 12-Month Bank Statement option to enable qualification using bank statements providing a flexible, documentation-light path to financing.
Non-Prime Super Jumbo Loans up to $5,000,000 for self-employed borrowers. Use 12 or 24 months of business bank statements to demonstrate your ability to repay, eliminating the need for traditional income verification. Ideal for high-net-worth individuals seeking flexible financing.
The “Bank Statement Mortgage Documentation” documentation requirements for self-employed borrowers researching bank statement mortgage loan programs and eligibility requirements.
Self-Employed Borrowers: Purchase 90% LTV, and Cash Out – 85% LTV ~ Self-employed borrowers can now take advantage of alternative income documentation with options to purchase at 90% LTV and cash out at 85% LTV. By using your 1099(s) as a sole proprietor, you can qualify with additional income, demonstrating your ability to repay. Super Jumbo Loan Amounts * $15,000,000 Maximum * Unlimited Cash Out Credit Scores (middle mortgage score) and LTV’s * 620 Score – 75% LTV –
Discover our comprehensive Bank Statement Non-Prime Loan Program, offering flexible solutions for diverse financial profiles on our Non-Prime mortgages.
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 loan amount options to consider. Speak to a Loan Officer (800) 718-8906. Non-Prime Bank Statement Cash-Out Programs This loan program includes cash-out options, allowing
No income or asset documentation required—no 4506-T or 4506-C forms needed. As of June 2025, tax returns are not required for self-employed or W-2 borrowers. These portfolio programs support Purchase, Refinance, and Cash-Out Refinance scenarios, offering a simplified path to funding.
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
Inherited Property Financing 80% Loan-to-Value (LTV) This loan program is for people that have lost a family member and would like to keep the home. Purpose: Purchase, Refinance, and Cash Out Refinance Underwriting Notes: Credit: Deferred Maintenance – OK Debt Consolidation – OK Debt-to-Income (DTI): 50% Maximum Future Rental Income Considered on a Case-by-Case basis, Underwriter’s Discretion Home Improvement Cost can be included in the loan and paid out at the close of escrow Available in the Following States:
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.
The 90% LTV – 12-Month Bank Statement Jumbo Loan caters to self-employed borrowers—especially sole proprietors—by allowing income qualification using either a year of bank statements or one year of 1099 forms, with no requirement for tax transcripts from Form 4506-C. The program offers up to 90% loan-to-value for rate-and-term refinances and purchase loans (10% down), and up to 80% for cash-out refinances—with a maximum of $1.5 million cash-in-hand and super-jumbo amounts up to $4 million available. Borrowers may utilize
1099 Only mortgage for Independent Contractors with one or two year self-employment histor.
Portfolio Prime Loan Program Overview The Portfolio Prime Loan Program is designed for borrowers with strong financial profiles who may not qualify for conventional or jumbo loans. This program provides flexible underwriting, alternative income documentation options, and higher loan limits. Key Features: Minimum FICO Score: 620 (Alternative Documentation Allowed) Loan Amounts: Up to $3.5 million Maximum Loan-to-Value (LTV): 90% Debt-to-Income (DTI) Ratio: Up to 50% Alternative Income Documentation: Occupancy Options: Primary Residences Second Homes Investment Properties Cash-Out Refinance: Available
The Non-QM Bank Statement Loan Program offers flexible underwriting with a maximum Debt-to-Income (DTI) ratio of 55% for loans up to $2,000,000, with even higher loan amounts permissible at reduced DTIs (e.g., 50% DTI up to $2.5M, 43% up to $3M, and 38% up to $3.5M)
Self-Employed Borrower Income Documentation Portfolio direct lender functions as a direct lender boasting its unique portfolio loan of products and programs. They autonomously determine Non-QM and Non-Prime manual underwriting decisions. Moreover, portfolio lenders have the capability to lend their own funds alongside a portfolio they either contribute to or commit to for a predetermined lending service term. Bank Statement Income Deposits The business industry and business model can dictate your expense factor. Flexible “expense ratio” options for the bank
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
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.
Qualify for an Asset Depletion Mortgage up to $5 million without tax returns. This program allows self-employed and W-2 borrowers to use verified assets as income. Flexible credit requirements with LTV up to 80% and cash-out options up to $1.5 million.
This 12-Month Bank Statement Jumbo Loan is tailored for self-employed borrowers and those with alternative income sources. Qualify for up to 90% income deposit utilization to qualify for your next Non-QM alt doc income documentation mortgage.
Self-Employed and Verification of Employment Reduced Doc Mortgage Service for self-employed borrowers. Being self-employed can make getting a mortgage can be difficult. Self-Employed borrowers sometimes have a multitude of income sources or companies making for a complicated tax return including tax write-offs. Get Pre-Qualified for your Next Mortgage Without a Credit Check Contact a Loan Officer Please enable JavaScript in your browser to complete this form.Please enable JavaScript in your browser to complete this form.Name *Email *Phone Your Message:
Our bank statement loan service provides flexible solutions. By analyzing gross monthly deposits and subtracting an expense ratio or factor percentage, our lenders pre-underwrite and calculate your quantifiable income. This approach ensures a tailored evaluation for debt-to-income (DTI) ratios and loan-to-value (LTV) thresholds, enabling access to competitive financing options. Bank Statement Pre-Underwrite The Pre-Underwrite Department can process/analyze (some lenders 1, 2, 3, 6, 12, and 24 months with personal account bank statements so we have the income figured out and signed
Business Purpose Investor Loan Programs 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 credit score. Ideal for real estate investors. Debt Service Coverage Ratio – Jumbo Loan Alt Doc – Bank Statement Loans Available Unconventional DTI –
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
Non-Prime Bank Statement Options Self-Employed Borrowers: 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 underwriting decisions. Some Portfolio lenders can also lend their own money as well as a portfolio they contribute to or commit to a pre-determined lender service term. Credit Leniency and Underwriter Discretion Major credit events only require 1 year seasoning. Mortgage lates OK not to exceed 3 x
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 No. If yes, please describe Estimate for monthly Cost of goods sold: Do you buy and then resell a product? (Check One) YES NO If
Hard Money Loans Our mission is to help individuals, investors, builders, developers, foreign nationals, and all legal entities including foreign legal entities obtain alternative real estate financing options to assist in a diverse real estate market (usually understood as Hard Money loans). We are a unique Hard Money Loan service for a variety of real estate transactions, including investor purchase loans; refinance cash out option; new construction; second trust deeds; third trust deeds (Hard Money); refinance loans for primary
When applying for a Bank Statement Loan, it’s important to understand that Non-QM lenders require a Business Description as part of the underwriting process. Whether submitting for pre-qualification or full underwriting, lenders will request a detailed summary of your business. Some lenders refer to this as a Business Narrative or Business Summary. Below are the key components typically required by lenders in 2024. Business Profile & Ownership Details Owner Name(s): Business Address(es): Property Type: (Office, Home-Based, Warehouse, etc.) Number
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 insights for navigating your mortgage journey.
A mortgage information resource, a detailed list of current lender niche mortgage loan programs – a wide variety of mortgage loan programs for you to see, research and utilize.
1099 Only Lite Doc Income Documentation Bank Statement Loan | 660 Credit Score – 90% LTV to $1,500,000 * 1-Year Income and Employment Verification Documentation, Asset Utilization * Form 4506-T and 4506-C is Required – One Year * Tax Return is Required – One Year for Lite Doc Minimum Credit Scores: * 600 Minimum Score for the Primary Income Earner * 580 Minimum Co-Borrower Portfolio Non-QM Lender Guidelines & Highlights Simplifying Non-QM Underwriting and process by defaulting to our
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
Self-Employed Borrowers Bank Statement Program Business Descriptions and Information One thing that you should know about qualifying or getting pre-qualified for a bank statement loan is the Non-QM lender will always require a Business Description upon underwriter submission or upon pre-underwrite submission. Some lenders call it a Business Narrative or Business Summary. Below are some of the typical criteria for Non-QM lender Business Narrative Letters. Description of Business/Business Profile 2024 Business Product(s)/ Service(s) Income Documentation: Bank Statements Note: This
There are roughly 17,000,000 self-employed people in the United States. That is over 35% of Americans that are self-employed. We have seen an increase of 25% in small to medium sized businesses since 2020. California has the most self-employed in the nation, by far. Sole Proprietor Borrowers 65% of the United States workforce will be Independent Contractors. 11,000,000 Americans are working in the Gig industry as of 2024. There were close to 26,700,000 Independent Contractors in the United States,
Jumbo Loan Amounts: Up to $3,000,000 – 85% LTV Tap into your home’s equity with a jumbo cash-out refinance—borrow up to $2,500,000 with a maximum loan-to-value (LTV) of 85%. Available for owner-occupied and second homes, including eligible single-family residences (attached or detached) and low-rise condos (under four stories). Jumbo Cash-Out Refinance Highlights Maximum LTV: 85% Loan Amount: Up to $2,500,000 Eligible Property Types: Single-Family Residence (Detached) Single-Family Residence (Attached) Condominiums (Less than 4 stories) Eligible Occupancy Types: Owner-Occupied Second
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: Purchase – 96.5%Rate and Term Refinance – 97.5% Streamline Refinance Available VA Maximum LTV: Purchase – 100% Rate and Term Refinance – 90% Streamline Refinance Available Conventional Financing Available to 80% LTV Available in the Following States: Alabama, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Louisiana, Maine, Maryland, Massachusetts, Montana, Nebraska,
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, W2s Profit & Loss statements, leases, Awards Letters, sourcing funds Ford down payment closing cost reserve requirements. Liquid Assets: 12 months reserves for subject property + 6 months for each additional property owned. Eligible Occupancies: Primary Residence Only Interest-Only Options to 80% LTV Wage Earner Income Documentation: 2 Years W2’s but Not Tax Returns Credit