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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
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
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.
Alt-Doc for Real-Estate Investors: Rent & business bank statements, lease income or Airbnb qualify. Flexible docs, no tax returns required.
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.
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.
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 – 65% Credit Seasoning Title Vesting and Lending Loan Scenario Form – No Cost – No Credit Check Available in the Following States: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida,
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, business, or commingled bank statements to verify income with ease. These loans offer unmatched versatility, eliminating the need for traditional income proof while accommodating diverse financial profiles. Perfect for borrowers seeking
Access up to $750,000 with a Stand-Alone Second Mortgage—no need to refinance. Requires 680+ credit score, supports primary and second homes.
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 Funds OK * Cash Out Qualifies for Cash Reserves * Departing Residence – New Rents Allowed * First Time Investors OK – No Landlord Experience Required * Vesting In Business Entities
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 * Mixed Use * Automotive Services * Office Space * Self-Storage * Retail Store * Mobile Home Parks * Warehouse Available Terms: * 3-Year ARM * 5-year ARM * 30-Year Fixed
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.
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 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.
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 * Single Family Residence * Non-Warrantable Condo * 2 Units * PUD Occupancies * Owner-Occupied * Non-Owner-Occupied * Second Home Underwriter Notes In order to utilize rental income, tax returns are required.
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 interest-only payment flexibility. Minimum credit score typically starts around 660 middle score, and major credit events like bankruptcy, foreclosure, or short sale must meet seasoning requirements.
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 suit their specific needs. Qualified Mortgages (QM) and Non-Qualified (Non-QM) So, at the end of the day, a rule as a whole cannot be quantified like specific government requirements. All loans
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. Employment and income sections on application left blank; No Ratio Alt Doc. Submit your loan scenario for Loan Officer review. (credit check not required!) On a refinance transaction, the purpose of
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 or cash-out refinances. Ideal for investors needing quick approvals and flexible terms. Benefits of a 75% LTV Private Loan Submit your scenario online or call our experts to secure a private
Bank Statement Employment Documentation: Verify self-employment with CPA letter or license. Qualify with 12–24 months statements, no tax returns required.
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.
1099 Only mortgage for Independent Contractors with one or two year self-employment histor.
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 approach to underwriting the creditworthiness of a particular borrower regarding the individual’s ability to repay the loan. Asset-Based Loan Programs People and their financial situations can be complex and unique, each
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 – $1,500,000 * 660 Score – 80% LTV – $2,000,000 * 680 Score – 85% LTV – $2,500,000 * 700 Score – 90% LTV – $3,000,000 Eligible Employment Types * Self Employed
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 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. Any (CPA) or Enrolled Agent (EA) – OK! * Applicable Industry License – License Regulator * License Bureau or equivalent * Business Tax Certificate * Industry Buyer License * Blacked Out
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.
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.
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) Let us be your capital partner on the ground. Flip faster, smarter, and with more predictability. Available in the Following States: Alabama, Arizona, California, Colorado, Connecticut, Florida, Georgia, Hawaii, Illinois, Indiana,
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.
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 60 x 24 (6-60 day lates, including “rolling lates”), within the previous 24-month time period. Or 3 x 30 x 12 (3-30 day lates, including “rolling lates”), within the most recent,
The “Bank Statement Mortgage Documentation” documentation requirements for self-employed borrowers researching bank statement mortgage loan programs and eligibility requirements.
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)
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