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12 Month Programs We Offer - Guidelines and Highlights:

Super Jumbo Bank Statement Loan

Qualify for a Jumbo Bank Statement Loan up to $10 million with no tax returns required. Designed for self-employed and W-2 co-borrowers using 24 months of bank statements.

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Plaza Home Mortgage

Solutions Non-QM Non-QM lender now allows you to qualify using a flat 20% expense ratio across all industries and without requiring a business narrative. *

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12 Month Bank Statement Program

The 12-Month Bank Statement Loan is designed for self-employed and 1099 borrowers who prefer simplified documentation. Instead of tax returns, approval is based on bank statements, with financing up to $4 million and loan-to-value ratios as high as 90%. Flexible terms, multiple property types, and no mortgage insurance make this a strong solution for entrepreneurs and investors.

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Solve Mortgage

Solve Mortgage Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Non-QM Lender We invite

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ACC Mortgage

Non-QM lender offering bank statement loan programs, Foreign National loan programs, Non-Prime loan programs, ITIN investor loans, Asset Depletion and DSCR loans. Come see our guidelines and requirements.

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Oaktree Funding

Oak Tree Funding Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Oaktree Funding: Your

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AD Mortgage

AD Mortgage Offers the Following Programs DSCR Program Our business purpose mortgage loan program is tailored to meet the needs of real estate investors seeking

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Non-QM Super Jumbo Alt Doc

Jumbo Bank Statement Program – 620 Credit Score Self-Employed including Sole Proprietor 1099 Independent Contractors as well as W2 Commission Professionals. Now you can also

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One Month Bank Statement Loan Program

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.

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1 Month Business or Personal Bank Statements

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.

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Bank Statements Jumbo Mortgage

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.

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3 Month Bank Statement Loan

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.

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Second Mortgage Bank Statement Loan

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.

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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.

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