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Reduced Doc – 1 Year Employment

1099 Only Lite Doc Income Documentation Bank Statement Loan | 660 Credit Score – 90% LTV to $1,500,000 Minimum Credit Scores: Portfolio Non-QM Lender Guidelines & Highlights Simplifying Non-QM Underwriting and process by defaulting to our core Non-QM guidelines and interpretation of the Ability to Repay rule. We can expedite and close your loan with […]

No Ratio Loans

No Ratio Loans Contact a Loan Officer Please enable JavaScript in your browser to complete this form.Name *Email *PhoneYour Message: Submit

12-Month Bank Statement Jumbo Program

This 12-Month Bank Statement Jumbo Program is designed for self-employed borrowers and those with non-traditional income sources, providing flexible financing options for high-value properties. * Purchase / Rate & Term: Up to 90% LTV with a minimum 680 credit score * Cash-Out Refinance: Up to 85% LTV with a 660 credit score and $1,500,000 maximum […]

Bank Statement Loan Service

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 qualifiable 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. Each Lender Its Own Each Non-QM […]

Bank Statement Loan Pre-Underwrite

Non-QM Mortgage Broker Service We can have the income figured out $X/Mo) and signed off to the dollar to make sure the numbers fit before jumping through all the hoops of a full application, credit report, prelim docs, etc. Bank Statement Service After your Loan Officer reviews the statements, often times, 1 of 2 things will […]

Second Home 85% LTV – 660 Credit Score

Prime and 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 be a bank that lends their own money as well as a portfolio they […]

Jumbo Bank Statement Alt Doc – 640 FICO

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 […]

1099 Only Jumbo Loan – 640 Credit Score

1099 Only Super Jumbo Loan Program – $7,500,000 1099 mortgage loan programs accommodate Sole proprietors, Independent Contractors, and Freelance Professionals. Non-Occupying Co-Borrowers OK. On a Cash Out Refinance, you have the option of paying off debt to reduce your DTI and reserve requirements). 1099 Only | Lite Doc Loan (24 Months) Borrowers can qualify for […]

P&L Only – 640 Credit Score

P&L Only Mortgage Loan Program The 12-Month P&L Only Loan Program offers a streamlined alternative documentation solution for borrowers with complex tax returns. Use profit and loss statements prepared by a CPA, CTEC, attorney, or EA to verify income, eliminating the need for extensive financial records. This program provides flexibility and convenience for self-employed borrowers […]

Self-Employed Home Loan – Lite Doc

One-Year Lite Income Documentation | W2 Wage Earner Co-Borrower OK 620 Minimum Middle Credit Score – 75% LTV * Purpose: Purchase / Rate & Term | 85% LTV – 680 Credit Score* Cash-Out Refinance | 80% LTV – 640 Credit Score $1,000,000 Maximum Cash-in-Hand Income Documentation: 12 Months Personal Bank Statements ** Profit and Loss […]

Non-Prime 6 Month Bank Statement Mortgage

Five Alternative Income Verification Options – This 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 Tax Returns not required; Form 4506-T […]

Investor DSCR Mortgage Program

The Real Estate Investor Program offers flexible income documentation options, including Full Doc or DSCR (Debt Service Coverage Ratio) Purpose: Purchase or Cash Out Refinance Income Documentation: Full Doc or DSCR (Debt Service Coverage Ratio)Eligible DSCR and LTV Ratios:Debt Service Coverage Ratio (DSCR) .75% – 1.5% Loan-to-Value (LTV): 80% Purchase and 75% Cash Out Refinance […]

Lite Doc One Year Income Documentation

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. […]

Super Jumbo DSCR $4,500,000

Debt Service Coverage Ratio (DSCR) continues to be popular with real estate investors. Below are guidelines using Long- and Short-Term Rental Income. We can use higher of current market rent or lease stating rental income, depending on the scenario. No limit to the number of financed properties and no reserve requirement increase. DSCR – Short-Term […]

Stated Income/Verified Assets – California

2024 Update: Credit Score Requirement: 680 Minimum Purpose: Purchase, Refinance and Cash Out Refinance ** Purchase and Rate/ Term Refinance to $3,500,000 & 80% LTV** Cash Out Refinance to $1,500,000 “cash-in-hand’ & 75% LTV Owner-Occupied Stated Income Loan Program Almost all Stated Income loans are for investment properties. This loan is special in that it […]

DSCR Super Jumbo to $5,000,000 Cash Out

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 Loans

“DSCR” stands for Debt Service Coverage Ratio Loans. Additional loan programs information below.

One-Year History Verification | VOE

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 […]

Business Description for Bank Statement Loans

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 is some of the […]

Super Jumbo DSCR to $4,000,000

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 […]

Hard Money Loan Asset Based Program

Stated Income / No Doc This program is an asset-based lender Currently in foreclosure OK Currently in bankruptcy or past bankruptcies OK In probate OK Residential and commercial properties Available in the Following States: Alabama, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Kansas, Kentucky, Maine, Massachusetts, Mississippi, Nevada, New Hampshire, New Jersey, North […]

Stand-Alone Second Mortgage

A Stand-Alone Second Mortgage, also known as a second lien mortgage, enables borrowers to unlock equity while retaining their current first lien mortgage and low interest rate. This mortgage loan program is applicable for primary residences, second homes, and investment properties. A minimum credit score of 640 is required, with loan amounts reaching up to […]

No Doc Loans

We offer diverse No Doc mortgage loan programs, each tailored with unique guidelines, matrices, specialties, and strengths. Being denied by a Loan Officer doesn’t necessarily mean ineligibility; it might stem from inadequate assessment or pre-qualification. Self-employed individuals and Real Estate Investors often require specialized attention, which our skilled loan officers provide. Discover your eligibility beforehand to streamline your application process without an initial credit check. Here’s where you can access details about No Doc loan programs and lenders.

Lite Doc Loans

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).

Asset Depletion Loans

Aggressive asset depletion programs that can be utilized with other income. Explore a range of contemporary asset-based financing choices available in 2024 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.

3 Month Bank Statement Program

3 Month Bank Statement Loan Program – 2024 Our flexible loan options cater to those who have had an exceptional last 3 months. Instead of the standard 12 or 24 months, providing 3 months of bank statements can be more advantageous. We also offer options for 1-month, 3-month, and 6-month bank statement programs to suit […]

3 Month Bank Statement Loan 90% LTV

3 Month Business or Personal Bank Statement Loan Program Business Bank Statements or 3 Months Personal Bank Statements Our 3 Month Program is the alternative to 6-month, 12-month and 24-month programs. We also have 1-month and 2-month options for credit scores > 700. Income combinations OK: Co-Borrower W2’s + 30 days most recent paycheck stubs. […]

Bank Statement Loan Options for Self-Employed

Bank Statement Alt Doc Options Available – 2024 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. […]

Six Alternative Income Verification Options

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. […]

Jumbo Non-QM – Bank Statements or 1099 Only

New Jumbo Guidelines with Loan Amounts to $10,000,000 Most Non-QM lenders require a 620 minimum credit score to qualify for 85% LTV Cash Out for refinance loans and 15% down payment purchase loan. Loan amounts >$3,000,000 – 2 Appraisals Required. One Appraisal Required to $2,000,000 Self-Employed Borrowers and Non-QM Lenders Non-QM lenders are designed for […]

California Hard Money Jumbo – 80% LTV

Jumbo and Super Jumbo – Cash-Out – 600 Credit Score Second Mortgages also Available. Private Money Lender, southern California based with LTVs up to 80% on Investment properties all throughout California. Airbnb rental income, OK. Direct lender out of Irvine California focusing on value-add residential, commercial and Business Purpose mortgages. Super Jumbo Loan Amounts to […]

Exception-Based Non-Prime Loan

Maximum Loan Amount: $4,000,000 Cash Out: $2,000,000 Specialized lender leads the way in the Non-Prime niche mortgage lending space with over 50 years of collective wholesale lending and loan origination experience and have streamlined the approval and escrow work flow perfected the escrow for better time efficiency from pre-qualification, full application, underwriter approval/Conditional Loan Approval […]

Super Jumbo Investor Mortgage | DSCR

Unconventional Real Estate Investor (DSCR) Loan Program Debt Service Coverage Ratio – 620 Minimum Credit Score Underwriter Guideline Highlights: * Maximum LTV 85% Purchase Transactions * 80% Cash Out Refinance Transactions * Maximum Loan Amount $15,000,000 * Rental Lease or Appraisal Form 1007 * DSCR – .75% – 1.5% * No Traditional Income Documentation * […]

Business Description for Bank Statement Loans

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 […]

Self Employed Borrowers

Self Employed Borrowers and Verification of Employment 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. How Can I Qualify for a Non-Qualified Mortgage Loan? There are 2 critical […]

Non-QM Super Jumbo Alt Doc

Jumbo Bank Statement Program – 620 Credit Score Now you can use your 1099(s) for to qualify (sole proprietor) as additional income/”ability to repay” Self-Employed including 1099 Independent Contractors as well as W2 Commission Professionals. 3 Bank Statement mortgage options that provide flexibility for business owners that utilize both their personal account and Business account […]

Bank Statement Loan to 75% LTV 620 Credit Score

Six Alternative Income Verification Options 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 Tax Returns not required; Form 4506-T not required. […]

Debt Service Coverage No Ratio

DSCR – Real Estate Investor Program to $5,000,000 Eligible Transactions – Purchase and Cash Out Refinance Employment Not Required. Income – Rental Leases or Appraisal. Traditional Income Documentation Not Required. Debt-to-Income Ratio Not Applicable DSCR <0.7. Credit Score/ LTV/ Reserve Requirement Jumbo Loan Amount – $1,500,000: * 640 – 85% LTV / 3 Months Reserves […]

Non-QM Bank Statement Loan Program

Prime and 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 be the bank that lends their own money as well as a portfolio they […]

Non-QM Super Jumbo Mortgage Loans

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-Prime True No Doc Mortgage Program

This Alt Doc loan program is for buyers that have extraordinary or unconventional income and documentation including self-employed borrowers and fixed income along with previous credit challenges. Manual underwriting through intelligent guidelines. Debt-to-Income Ratio Not Considered. Equity Driven Product Unlike traditional mortgages, the no doc mortgage loan program does not consider the debt-to-income (DTI) ratio. […]

One Year Tax Return Income Program

1 Year Full Doc (Lite Doc) Program – Lite Income and 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 […]

One Year “1099 Only” Income Reduced Doc Program

Lite Doc – 1 Year 1099 Only Income Documentation Program Purchase, Rate/Term – 600 Credit Score – 80% LTV – $1,500,000 Loan Amounts: $250.000 to $7,500,000 1099 Only Income Calculation Two 1099 Income Calculation Methods: * P&L Prepared by a CPA or Equivalent License Holder *Expense Ratio CPA Letter (ERCL) Cash Out – 620 Credit […]

One Month Bank Statement Loan Program

1-Month Bank Statement Loan for Self-Employed Borrowers This 1-Month Bank Statement Loan is a convenient solution for self-employed individuals seeking flexible income documentation. This Non-QM program relies heavily on the borrower’s credit history, offering a simplified qualification process. With a 50% debt-to-income (DTI) ratio and no requirement for cash reserves, it eliminates the need for […]

Non-QM | Non-Prime Loan Programs

Non-Prime Mortgage Lender Programs and Highlights Independent contractor mortgage borrowers can now use their 1099 forms to qualify as additional income, demonstrating their ability to repay. This is particularly beneficial for sole proprietors seeking mortgage approval. By including 1099 income, independent contractors enhance their financial credibility for mortgage lenders. 5,000,000 Maximum Loan Amount ** Now […]

Bank Statements Jumbo Mortgage

3 Months Business Bank Statements or Personal Bank Statements Our 3 Month Program is the alternative to 6-month, 12-month and 24-month programs. We also have 1-month and 2-month options for credit scores > 700. Income combinations OK: Co-Borrower W2’s + 30 days most recent paycheck stubs. Asset depletion, etc. Minimum 620 credit score required for First Time Home Buyers to 80% […]

3 Month Bank Statement Loan

3 Months Business Bank Statements or 3 Months Personal Bank Statements Our 3 Month Program is the alternative to 6-month, 12-month and 24-month programs. We also have 1-month and 2-month options for credit scores > 700. Income combinations. Co-Borrower W2’s + 30 days most recent paycheck stubs. Asset Depletion, etc. Minimum 620 credit score required. […]

Asset Qualifier

Portfolio Mortgage Asset-based Income Documentation | Asset Based Lending * Debt-to-Income DTI (expense ratio) up to 55% Now you can use your 1099(s) for to qualify (sole proprietor) as additional income/”ability to repay” Subordinate Financing Permitted Business Purpose Loans (Stated Income – Owner-Occupied) Available * Foreign National for either second home or investment properties * […]

Business Narrative for Bank Statement Loan Programs

Self-Employed Questionnaire Business information required to properly analyze bank statements Business Type: (product or service or both) If Other, please describe here: Provide details of how income is generated: Where do you conduct business: Office, Plant, Residence? More than one physical site? (Check One) YES NO If Yes, how many? What percentage of your business do […]

Non-Prime Super Jumbo – $5,000,000

Self-Employed Bank Statement Super Jumbo loans Borrowers utilize 12 or 24 months of business bank statements to demonstrate their Ability to Repay, eliminating the need for traditional income verification methods and potential headaches. By focusing on bank statements to derive an income number for qualifying ratios, we ensure a smoother and more efficient application process. […]

Non-QM Lender – California

Non-QM Mortgage Broker 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)) Non-Qualified Mortgage Lender Serving California Business Owners Proper service will increase your chances of getting approved for a reasonable mortgage […]

Bank Statement Loan for Real Estate Investors

Real Estate Investor Loan Program Designed for real estate investors, this Bank Statement loan can qualify investor income and self-employment income in different or multiple accounts. Rental income instead of tax returns, leases can be utilized to document income. Airbnb and Short-Term Rentals – OK Short-term Rental Income may be properly documented with the short-term […]

Non-QM – Stated Expense Ratio

Non-QM Mortgage Broker | Self-Employed Home Loans Alternative Bank Statement Income Bank statement lenders apply varying underwriting guidelines for expense percentage ratios, also referred to as an expense rate. This percentage represents the business expenses and functions similarly to calculating net income. Qualify for mortgages using bank statements instead of traditional income verification. Ideal for […]

Non-QM Portfolio Lender Loan Programs

Non-Qualified Mortgage Lender Serving California Business Owners 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 […]

Fix and Flip Program

Hard Money Loan Program Guideline Overview Interest-Only Payment Term Available * Loan Amounts: * $250,000 – $7,500,000 Property Types: * SFR (Single Family Residence) * 1-2 Units * 2-4 Units Loan-to-Value (LTV) Ratios: * 80% LTP (Loan-to-Purchase) + 100% of Rehab Expense * 70% ARV (After Repair Value) * Reserves Not Required Available in the […]

Debt Service Coverage Ratio Program

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 […]

Non-QM Jumbo Lender

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 […]

Super Jumbo Investor – 30 million

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. Bank Statement Income Documentation * Bank Statements – 12 Months and 24 months * Borrower-Prepared Profit and Loss Property Types: * Single Family Residence * 2 Units * 1-4 units Highlights: […]

Bank Statement Loans – 2023

Bank Statements for all Self-Employed Borrowers ** November 2024 Update * Purchase, Rate/Term, and Cash Out to $12,000,000 Key Benefits Bank Statement Mortgages: * Personal Account and Business Account(s) Bank Statements * “Borrower Prepared” & (unaudited) P&L Only supported by most recent three months Business Bank Statements * Additional Sources of Income Can Also be […]

Self Employed | Unconventional Mortgages

There are roughly 17,000,000 self-employed borrowers 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. 9,000,000 Americans are working in the Gig industry as of 2022. […]

Bank Statement Income | Alt Doc

Bank Statement Income Loan programs that utilize bank statements do not require form 4506-t to be processed at any time throughout the escrow process or post-closing. This loan has a W-2 Wage Earner co-borrower and 4506-t (or 4506-C) is processed for W2 transcripts only and not the primary self-employed borrower. Self Employed – Verification of […]

Non-QM Lenders and Loans

Bank Statement Program – 2024 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 * 660 FICO Score * Cash-out to 70% LTV * Maximum DTI […]

12 Month Bridge Loan

12 Month Bridge Program Lending Partner with the Flexibility to Deliver Results 12 Month Bridge Loan allows Borrowers Access to the Equity in their Property Before it is Sold. Occupancies: Primary Residence, Second Homes, and Investment Properties Property Types: SFR and 1-4 Units Highlights: No Tax Returns and No 4506-T Form Underwriting Flexibility -Including no […]

Non-Prime True No Doc Loan Program

Non-Prime – No Income and No Employment DTI up to 60% (back-end dti) – total monthly payment sum divided by your total monthly payments (as they appear on your credit report (including REO portfolio). Use minimum payment on credit cards/revolving account) Example, if your monthly payment(s) is $10,000 and your income is $21,000, your back-end […]

90% LTV – ITIN Investors

Foreign Nationals are buying properties now more than ever which means good & effective Buying Power for the foreign national and also more and more experience for us with the Foreign National mortgage loan programs. Purpose: Purchase, Cash Out Refinance Investment Properties – OK Unneeded Income Documentation: 2 Years tax return and 2 years W-2’s […]

6 Month Bank Statement Mortgage Programs

Six 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 […]

Super Jumbo Investor Loan

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 […]

Non-QM Lender Niches

Lite Doc Mortgage Loan Lite Doc refers to a loan program necessitating 1-year full documentation of income and a 2-year work history. This requirement is standard for alternative documentation programs in mortgage lending. Mortgage brokers and loan officers find this requirement beneficial. For individuals with only 1 year of employment and income documentation, a Reduced […]

DSCR .75% Jumbo Mortgage

DSCR Debt Service Coverage Ratio Loan Program Debt Service Coverage Ratio Loan Program Guidelines and Requirements Experienced Real Estate Investors – 25 Financed Properties – OK Most investor loan programs will max the borrower/investor at 10 financed properties. However, on this program, you, at minimum, must own their current primary residence. Jumbo $10,000,000 Maximum Loan […]

Bank Statement Mortgage to $10,000,000

Jumbo and Super Jumbo Bank Statement Mortgage Self-Employed borrowers qualify for jumbo and super jumbo alternative income loans up to $10,000,000 with bank statement income documentation. Self-Employed Home Loan Options: Secure financing tailored for self-employed borrowers. Qualify with alternative income documentation, ideal for those without traditional income documentation. 4 Bank Statement Loan Options: Asset Depletion […]

12 Month Bank Statement Loan + VOE Alt Doc

Self-Employed Home Loan 600 Credit Score Self-employed borrowers can qualify for an extensive line of alt doc home loans. 12 Months Bank Statements – 90% LTV – 680 Credit Score With only one year of employment verification and 12 months of bank statements, allowing up to 90% loan-to-value (LTV) with Non-Prime 620 credit scores eligible […]

After Repair Value Purchase Loan (ARV)

Our ARV construction loan enables investors to finance the purchase and renovation of a property, leveraging the expected increase in value after repairs are completed. After Repair Value Rehab Loan Program Explained An “After Repair Value” (ARV) construction loan is designed to provide financing for real estate investors looking to purchase and rehabilitate properties. After […]

Bank Statement Calculation Mortgage Lenders

How is Bank Statement Income Calculated? Total deposits, less business expense ratio, annualized, multiplied by the % of ownershipStandard 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 […]

No Ratio Investor Loan Jumbo

DSRC Investor Loan Program Jumbo and Super Jumbo to $2,500,000 and Super Jumbo to $5,000,000 Purchase & Rate/Term Refinance: * 740 Credit Score | 90% LTV to $5,000,000* 720 Credit Score | 90% LTV to $4,000,000* 700 Credit Score | 85% LTV to $3,500,000* 680 Credit Score | 85% LTV to $3,000,000* 660 Credit Score […]

Stand-Alone Second Mortgage

Second Mortgage Bank Statement Loan Loan Purpose: Purpose: Second Mortgage/ Cash Out/ Debt Consolidation (cash out can be used to meet reserve requirement) Alternative Self-Employed Income Documentation: * 12 Months Personal Account Bank Statements * 24 Months Business Account Bank Statements * Debt-to-Income Ratio to 55% ~ 2 Months Most Recent Consecutive Bank Statements – […]

Non-Prime Lite Doc and Reduced Doc

Lite Doc and Reduced Doc Options: * Lite Doc – 12-Month Income Documentation Our alt doc mortgage loan program includes a Lite Doc option designed for borrowers who prefer simplified income documentation. This program allows qualification with just the previous 12 months of income records, offering two convenient paths: One year of W-2 forms paired […]

24 Months Business & Personal Commingle Accounts

Niche Multiple Bank Account Statement Mortgage Business and Personal Bank Accounts If it is your bank statements that are holding you back from an approval, this could be the solution loan program for you. “Borrower Prepared” Profit and Loss Statement | P&L In Lieu of your tax returns, the Borrower Prepared Profit and Loss is used in conjunction with this […]

Non-Prime Jumbo 95% LTV

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 […]

One Year Tax Returns to 90% LTV

Reduced Doc | 12 Months Reduced Income Documentation and Reduced Employment Verification Documentation We can help new business owners or self-employed borrowers who experienced a greater amount of income last year compared to the previous year. This loan program is ideal for self-employed borrowers because income tax write-offs reduce the amount of revenue that the […]

Asset Depletion Program

Asset Depletion Income Program to 90% LTV Our asset depletion programs can also qualify your business as well as your personal bank (100% gross deposits) accounts on either a 6-month, 12-month, or 24-month bank statement programs. Mortgage Asset-based Service We will maximize your credit profile for better credit grades, more buying power to help you […]

Second Mortgage Bank Statement Loan

Second Mortgage Bank Statement Mortgage Program This program is ideal for the borrower that wants to protect their low-interest rate first mortgage and would prefer a lump sum (from their equity) upfront. Stand-Alone Second Mortgage Program – 55% Debt-to-Income (DTI) This Second Trust Deed Program gives the borrower the entire loan amount at once, for […]

Home Renovation Second Mortgage

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 […]

Bank Statement Loan to $5,000,000

Purpose: Purchase Rate & Term Refinance – Rate & Term and Cash Out * Jumbo Bank Statement Loan to $5,000,000 * Maximum Loan Amounts: $5,000,000 * Maximum Cash Out – $2,500,000 Bank Statement Income Documentation: (No 4506-T or 4506-C) * 12 Months or 24 Months Business Bank Statements * 12 Months or 24 Months Personal […]

Bank Statements/Asset Depletion to 5-Million

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 […]

Bank Statement Mortgage – Wage Earner

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 […]

6 Month Bank Statement Mortgage Loan

6 Months Bank Statements – 660 Minimum Mortgage Credit Score Personal or Business account statements can be used with any qualified assets with a credit score of 660 to a maximum loan-to-value ratio (LTV) of 85%. Details below: Alternative Self-Employed Income Documentation Self-Employed & Commission Business Professionals, this 6 Month Super Jumbo Bank Statement Non-Qualified […]

Second Mortgage Bank Statement Jumbo

Jumbo Second Mortgage Bank Statement Loan CLTV (Combined Loan-to-Value) / Loan Amount * 85% CLTV / $250,000 * 80% CLTV / $350,000 * 75% CLTV / $500,000 Property Types: Single Family Residence, Townhomes, Condos, >4 stories (reduce CLTV 10%), PUD’s Eligible Occupancies: Owner-Occupied, Second Home (reduce CLTV 5%) Cash Reserves: * 3 Months PITI – […]

One Month Bank Statement Mortgage Loan Program

Self-Employed Mortgage One Month Bank Statement Option One Month Bank Statement Loan for Self-Employed Borrowers: A flexible mortgage option for purchase, rate/term, or cash-out refinancing. Designed for self-employed individuals, this program requires just one month of bank statements to qualify. Non-Qualified Mortgage Program Jumbo Loan The Income is stated and is not calculated (No Ratio) […]

Conventional Mortgage Niches

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 […]

Non-QM Interest-Only Jumbo Program

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-Qualified Mortgage Jumbo 55% DTI

This loan program is designed for home-buyers (purchase transaction) and home-owners (refinance transaction) that do not want to provide (Form 4506-T not required and Form 4506-C also is not required) or are unable to produce (business and/or personal tax returns, W-2’s, paycheck stubs, lease agreements, etc.) 1099 Only Loans, Asset Depletion, Bank Statement Loans, Business […]

Reduced Doc Loans

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.

Non-QM Low Doc Jumbo

Non-Qualified Mortgage Jumbo Programs This Non-QM mortgage product is from a Portfolio lender and has unique unseasoned employment and super jumbo loan amounts. Non-QM Income Documentation for Self-Employed Borrowers and W2 Commission Employee Asset Utilization and Cash-Flow such as bank statements and investments (including unseasoned distribution account/agreement monthly income) Program – Creative Financing. This unique […]

Bank Statements – Jumbo Mortgage – Interest Only

12-Months and 24-Months Bank Statement 80% LTV Purchase up to $3,000,000 – 660 Credit Score with Six Months Reserves Cash Out Refinance up to $2,500,000 – 680 Credit Score with Six Months Reserves Interest Only Available on Owner-Occupied / Primary Residence ** Purchase and Rate/Term Refinance: 640 Credit Score: 75% LTV – $1,500,000 660 Credit Score: […]

Prime and Non-Prime Bank Statement Options

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 […]

Bank Statement Loans

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.

90% LTV – $1,500,000 – 4 Months Reserves

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 […]

Non-Prime Mortgages Niches

Self-Employed Borrower Bank Statement Loan Program This mortgage program is for self-employed borrowers who write off too much on their taxes or do not do their taxes. Only your bank statements required tax returns are not. Reserve Requirements Flexible lenders will accept 100% of deposits to the borrower’s business, personal or commingled accounts along with an […]

Non-Prime Mortgage 80% LTV 600 Credit Score

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 […]

24 Months Bank Statements – Business or Personal/ Co-Mingle

Alternative Income Documentation 600 Credit Score Bank Statement Month Options: 12 or 24 Months Business and/or Personal (Co-Mingled OK) Accounts More and more Self-Employed Americans are finding it much easier to obtain reasonable mortgage financing. Without the alternative income documentation programs, we offer to Self-Employed borrowers, it would be very difficult to qualify for a […]

95% LTV Jumbo Unlimited Cash-Out to $2,500,000

Unconventional Mortgages and Loans 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 – […]

90% LTV – 12 Months Personal Bank Statements

Bank Statement Jumbo to 90% LTV Financing Guidelines * 12 Months Bank Statements or One Year 1099 “1099 Only Program” Sole proprietors can qualify for the “1099 Only Program” by submitting 12 months of bank statements. The “1099 Only Program” allows sole proprietors to use a one-year 1099 as proof of income. For sole proprietors, […]

Portfolio Jumbo Low Doc – One Year P&L Statement Only

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. […]

Portfolio Jumbo – Stated Income California

True Stated Income 2024 | Forms 4506-T and 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 75%. You could also call it a “portfolio loan” or “Non-QM” mortgage. Self-Employed Home Loan […]

Hard Money Loans

Hard Money Loans Unconventional Loan Programs We Offer – Guidelines and Highlights: 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 […]

580 Credit Score to $1,500,000

Non-Prime Mortgage Loan Program- 580 Credit Score The co-borrower must have at least a 580 credit score and also must not have more than 42% of total income. Income Documentation Type: Full Doc Maximum LTVs* Purchase loan – 80% LTV* Rate & Term refinance – 80% LTV* Cash Out refinance – 75% LTV Owner-Occupied Maximum […]

Super Jumbo Mortgage Manual Underwrite

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 […]

Alternative Income Documentation Jumbo Program

Alt-Doc Mortgage Program | Forms 4506-T and 4506-C Not Required ** 90% LTV (loan-to-value) Financing ** $1,500,000 – Maximum Loan Amount: ** $3,500,000 – Maximum Loan Amount: ** 6 Month Reserve Requirement for primary residence + 3months for Each additional property owned (and financed) Residual Income Requirement: / DTI * DTI Less Than 35% – […]

Stated Income Jumbo Construction Loan 10-Million

Home Builder Construction Loan Program | Forms 4506-T and 4506-C Not Required This is a short-term construction loan for home builders for subject properties located in Arizona, California, Colorado, Idaho, Illinois, Michigan, North Carolina, South Carolina, Ohio, Oregon, Texas, Utah, and Washington. Stated Income goes to 10 Million * 70% LTV (loan-to-value) * 85% LTC […]

Bank Statement Super Jumbo Loan

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 […]

Private Money 70% LTV

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, […]

Commercial Jumbo Loan 80% LTV to $6,000,000

High LTV Super Jumbo Commercial Loan Program Meet our Commercial Jumbo Loan Program offering up to 80% LTV on loans up to $6,000,000. Perfect for purchases, rate/term refinancing, cash-out refinancing, and 1031 exchanges, this solution provides flexible financing to meet your needs. Eligible Loan Purpose Transactions * Purchase / Rate/Term Refinance * Cash-Out Refinance * […]

Investor Loan – No Doc

Nationwide Private Mortgage Lender 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 […]

Non-Prime Bank Statement Loan 620 Credit Score

Self Employed 1099 Only and Bank Statement Home Loans The Non-QM Mortgage Loan Program offers flexible solutions for self-employed borrowers, including 1099-only for Sole Proprietor and bank statement home loans for the self-employed. Perfect for those with non-traditional income, this program simplifies the qualification process. The Non-QM Mortgage Loan Program offers flexible solutions for self-employed […]

Stated Income/Verified Assets 680 Credit Score 2 Million

Asset-Based Qualification Program – No 4506-C This is both a Stated Income and Asset Depletion loan program and it is designed for the high-net-worth borrower that is looking to purchase a primary home or Rate & Term refinance or Cash out refinance their primary home. The applicant must demonstrate their ability to save by providing […]

600 Credit Score Jumbo Bank Statement Mortgage

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. Non-Prime mortgages are not only for challenged credit borrowers, but also good and excellent credit borrowers that require […]

Self Employed 1099 Only and Bank Statement Home Loans

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 […]

Hard Money 5-Million Owner Occupied

This hard money lender will do primary residential loans which are somewhat rare. Similar to a Business Purpose Mortgage Loan Purpose: Purchase, Refinance, and Rate & Term and Cash out, Refinance – Cash Out in hand $2,000,000, Construction, Bridge Loan, Blanket Loan Jumbo Loan Amounts: $500,000 to $5,000,000 This hard money lender will do primary […]

Jumbo Hard Money to 3-Million 80% LTV

High LTV Hard Money Jumbo Loan This hard money loan program can be applied to a variety of loan types including Fix and Flip, Blanket Loan, Bridge Loan, and Construction. Foreclosure Bailout Exceptions We can bail you out of any “housing event”, Short Sale, Foreclosure, Bankruptcy, Notice of Default (NOD), Notice of Sale (NOS). Maximum […]

Inherited Property Loan Program

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 Rate & Term R&T, Refinance – Cash Out This is a manual underwrite program Same day approval Fund within 2 weeks Maximum LTV – 80% Future value […]

Second Mortgage $350,000

Jumbo Second Mortgage Alt Doc – Form 4506-T Not Required 80% LTV 2nd mortgage to $350,000 Alt-Doc for Self-Employed Borrowers and Full Doc for everyone. This program is a Non-QM (non-qualified mortgage) with some Non-Prime qualities. Below are some specific underwriting guidelines and credit notes: ** 700 Credit Score * 85% Loan-to-Value * Mortgage History: […]

Asset Qualifier Jumbo Loan

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 […]

Stated Income/ Verified Assets Super Jumbo

Income Documentation Alternative for the Well Qualified Self-Employed Borrower November 2024 Stated Income Loan – Tax Returns Not Required This Stated Income Mortgage loan program will be supported by the cash flow of bank statements and is for the Self-Employed borrower only. Stated Income / Verified Assets SIVA – Forms 4506-T and 4506-C Not Required […]

Vesting Title in Legal Entities

Business Purpose Mortgages and Vesting Options This Loan Program is for Corporations, LLC’s, Partnerships This gives the “borrower” the option to vest the title of their property into a trust, corporation, LLC, or Partnership. Loan Purpose: Purchase, R/T Refinance, Cash Out Refinance This unique option provides the sophisticated borrower with their preferred legal structure as […]

Jumbo Investor Loan 90% LTV 720 Credit Score

Maximum Loan Amount – $3,000,000 This investment property loan program provides up to $3,000,000 for purchases and rate-term refinances, with cash-out refinancing available up to $750,000. Eligible property types include single-family residences (SFR), 2-unit, and 4-unit properties. Available for investment properties, non-owner-occupied homes, and second homes, the program allows real estate investors to own up […]

No Seasoning Requirement for Short Sale or Foreclosure

Non-Prime – One Day Out of a Short Sale or Foreclosure 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 […]

Asset Depletion Program to 5 Million

Asset Depletion Jumbo Loan Self Employed and W-2 Wage Earner Co-Borrower ~ 660 Mortgage Credit Score – 80% LTV to 2 million ~ 640 Mortgage Credit Score – 75% LTV to 2 million Income Documentation Alternative-| Forms 4506-T and 4506-C Not Required Credit Notes: * 2 years seasoning required from bankruptcy discharge date. * 2 […]

Super Jumbo Bank Statement Program

Income Documentation Self-Employed Alternative + 55% DTI 24 Months Business or Personal Bank Statement Program ** $3,000,000 Loan Amount – 55% DTI** $2,500,000 Loan Amount – 50% DTI** $2,000,000 Loan Amount – 43% DTI Loan Amounts, Credit Scores and Loan to Value Highlights: ** 70% LTV to 5,000,000 – 720 Credit Score** 75% LTV to […]

Stated Income Verified Assets to 70% LTV Owner Occupied

Stated Income / Verified Assets -Minimum Credit Score – 660 Maximum Financing 70% LTV Self-Employed Income Documentation *Form 4506-C Not Required Loan Amounts: * $200,000 Minimum Loan Amount * $5,000,000 Minimum Loan Amount Eligible Occupancies: * Primary / Owner-Occupied * Second / Vacation Home * Investment property / Non-Owner Occupied Gross Sales for Investment properties […]

Bank Statement Loan – 600 Credit Score

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 […]

First Time Home Buyer Jumbo loan

Jumbo Purchase Loan for the First-Time Homebuyer to $1,000,000 Eligible Transactions: Purchase. See refinance loans Loan Amounts to $2,500,000 First Time Homebuyer to $1,000,000 – 90% LTV 90% LTV to 1 million – 3 months reserves (Equal to 3 months of housing expense, principle, interest, tax, and insurance) Loan Amount – Reserves Requirements:* $2,500,000 – […]

Hard Money Super Jumbo Florida

Hard Money Super Jumbo Mortgage program Super Jumbo Loan Amounts: $5,000,000 and up to $10,000,000 on a case-by-case basis. Eligible Transactions Eligible for a variety of loan purposes, including purchases, refinancing for rate or term adjustments, cash-out refinancing, bridge financing, blanket loans, and rehabilitation loans, our mortgage products offer versatile solutions to suit diverse borrower […]

1099 Only Loans

1099 Only loan programs are for Sole Proprietors. Independent Contractors can utilize one or multiple 1099’s for the previous 1 or 2 years. “Reduced Doc” – 1-year history. “Lite Doc” – 2-year history, instead of the standard 2 years full business and personal tax returns, P&L statements, etc. Also, please note: No Form 4506-C (formerly Form 4506-T).

Stated Income Verified Assets Owner-Occupied Jumbo

Stated Income Primary Residence Mortgage Program True Stated Income eligible on primary residence. Include multi-unit owner-occupied investment properties. Form 4506-C not required. This program can be used as a purchase loan or cash out refinance. * Purchase 90% LTV to $3,500,000 * Cash Out Refinance to 90% LTV Financing to $2,000,000 and 85% LTV to […]

Stated Income/Verified Assets

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.

Stated Income/ Stated Assets

For borrowers seeking minimal documentation, the Stated Income/Stated Assets (SISA) option provides an easy and opportun 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 income revenue streams.

Non-Prime Bank Statement Loan

Primary Borrower – Self-Employed Home Loan Bank Statement Loans are ideal for self-employed borrowers, defined as those with at least 25% ownership in a company. Alt Doc (24 months) – Bank Statement Program These programs focus on bank statement revenue and cash-flow, making them suitable for unique financial situations or the typical (deposit income into […]

Portfolio Lender HELOC to $400,000

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. 720 Mortgage Credit Score – 85% maximum LTV ** Full Income documentation for this program Purpose Highlights:* Purchase (piggy-back)* Maximum Loan amount – $750,000* 700 Score to 70% Loan-to-Value (LTV)* Cash […]

600 Credit Score Jumbo Mortgage Programs

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 […]

Jumbo Cash Out Refinance Loan

Jumbo Loan Amounts: $2,500,000 Maximum Unlock your home’s equity with a jumbo cash-out refinance. Borrow up to $2,500,000 with maximum loan-to-value (LTV) of 85%. Eligible properties include single-family residences (SFR) and condos under four stories, available for owner-occupied or second homes. LTV – 85% Maximum Occupancies:* Second Home* Owner Occupied Property Types:* SFR – Attached* […]

Real Estate Investor Bank Statement Loan

Unique Investor Loan Program real-estate-investor-cash-out/Designed for real estate investors, this Bank Statement loan can qualify investor income and self-employment income in different or multiple accounts. Rental income instead of tax returns, leases can be utilized to document income. Include your Rental Income Rental income may be included in conjunction with Borrowers Bank Statement Gross Deposit […]

Jumbo 1.5 Million Southern California

This Jumbo Loan Program is for Borrowers with Less Than Perfect Credit Jumbo Loan Amounts to $4,000,000 | Maximum Cash Out – $1,500,000 Credit Score Requirements 660 Minimum Credit Score Property Types * Single Family and duplexes – 85% max LTV financing Occupancies * Owner-Occupied * Investment Properties: * 1-2 unit and 3-4 unit to […]

Commercial Mortgage Stated Income Super Jumbo

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:* […]

Nontraditional Credit Loan

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 […]

95 Percent Financing 620 Credit Score

96.5% LTV with 630 Credit Score Purchase and Rate and Term Refinance Only. No Cash Out 55% Maximum Debt Ratio DTI * Owner Occupied Only Property Types: SFR, Condos (<4 Stories), 4 Units Assets: 2 Months Reserves required Eligible Borrowers: * Military Personnel * Permanent Resident Aliens * Non-Permanent Resident Aliens Credit Notes: * Need […]

Investor Purchase Loan Program

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 […]

No Income No Asset Verification

Income and Asset Documentation Not Required Forms 4506-T and 4506-C Not Required Update: September 2023 Tax Returns Not Needed for Self Employed or W-2 Employees Loan Purpose: Purchase, Refinance and Cash-Out Refinance Portfolio Programs Cash-Out Refinance Requires 90-day Purchase Seasoning in Order to use “Market Value”. Less than 90 days, “purchase price” is used for […]

Manufactured Home Loans

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 […]

Rural Property

Loan Purpose: 97% LTV Purchases Rate/Term and Cash Out Refinance Unlimited acreage I multiple parcels Max Loan Amount $550,000 Terms: Fixed & Arms available Eligible Property Types * SFR * Manufactured Homes (double-wide) OK * Property must be in a rural area * Gross income of subject property cannot exceed 25% of borrower total gross […]

Portfolio Mortgage Programs

Portfolio Mortgage Program Highlights 2024 * FHLMC Super-Conforming * FNMA unpermitted space ok if documented per guidelines * Transferred appraisals ok on most programs- * 5-10 Financed Properties w/ 700 FICO * FHA Flips Less than 60 Days * EEM (Energy Efficient Mortgages) * Non-Conforming (Jumbo and Super Jumbo) to $15,000,000 * HUD $ 100 […]

203K Streamline

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 […]

Jumbo Bank Statement Loan 5-Million

Qualify on a Lite Doc – 12 Month Bank Statement Program 12 Month Average Gross Deposits in-lieu of Traditional Income Documentation Self-Employed Borrower’s Only – Forms 4506-T and 4506-C Not Required Now including Sole Proprietor Independent Contractors Purchase – 15% Down Payment to $2,500,000 loan amount R/T Refinance – 85% LTV. Cash Out – 80% […]

Home Equity Line of Credit – HELOC

Home Equity Line of Credit Options Get Approved for a low-rate Home Equity Line of Credit that allows you to Borrower and Re-borrower. A Home Equity Line of Credit Offers a Flexible term that can help you budget your finances more effectively. This home equity line offers a Flexible revolving credit line that allows you […]

Super Jumbo Programs

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 […]

Super Jumbo Bank Financing to 30 Million

Jumbo Mortgage Portfolio Bank Loan – Highlights * Alternative Lite Doc income documentation: 1099 Only to $3,000,000 * This Bank Loan Super Jumbo is a Good Alternative to a Conventional Home Loan Product. * Property Types: Residential, Commercial, Industrial, Apartments, Residential, Schools, Special Purpose. * Loan Sizes: $500,000 – $30,000,000 * States Served: All 50 […]

Stated Income Jumbo – 740 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 […]

Stand Alone Second Mortgage Loan Program

We now also have Bank Statement Second Mortgages – September 2023 * Maximum Loan Amount: $750,000 Purpose: * Stand-Alone Second * Purchase Piggy-Back Second Mortgage * Refinance Piggy-Back Second Mortgage * Cash Out – OK Maximum Loan-to-Value (LTV): Financing 90% on this Second Mortgage Program Eligible Property Types: * Single Family Residence – Detached * […]

Manual Underwriting Loan Programs

Submit your application for 48-hour approvals! Conforming, Jumbo Conforming, FHA loan programs Full and Lite Doc income documentation programs Up to 64.9% Debt to Income ratio Available Manual underwriting available 1 day off MLS, cash out OK Non warrantable condos ok Ok to double app and close/fund before the other lender has your approval! Available […]

Investor Mortgage Program

Real Estate Investor Program SFR, Condos, 2-4 Units Investors,1-10 Financed Properties allowed even if non-owner occupied 10-, 25- and 40-Day Locks Available on All Loans from this Lender upon Loan Approval. Loan Amounts from $100,000 to $2,000,000 Owner Occupied and Investment Properties are OK 620 credit score required Available in the Following States: Alabama, Alaska, […]

California Hard Money 30-Million

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 […]

Jumbo Private Hard Money Program

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, […]

2nd Mortgage Program to $350,000

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 […]

Bridge and Hard Money Loans

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 […]

680 Credit Score $1,500,000 Cash Out

Jumbo Cash-Out Refinance Loan – DTI to 55% Jumbo Mortgage Cash-Out Refinance – 680 Credit Score This special jumbo cash-out refinance loan program allows homeowners with a 680 credit score to access up to $1,500,000 in cash. This loan option supports a debt-to-income ratio of up to 55%, making it easier for borrowers with higher […]

Current Lender Niches

excerpt editor Non-Prime Niches (18)—————–(NOT yoast) 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.