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Product and Service

Alternative Mortgages and Uncommon Service

It could be the only thing that separates you from your new mortgage is the wrong loan officer. Most Loan Officer's (90%+) only originate conforming, agency loan programs.

The problem with that is not all borrowers fit within those guidelines. Not because these borrowers are high risk, but because they fall outside of the conventional loan box. You know what you need, and we know what options are available.

Our "loan scenario" is a great way to start without having credit pulled. No hard-pull or soft-pull. Just a bunch of highly qualified Loan Officers who know how to pre-qualify a borrower to the point where we can determine if we should go forward. The preliminary service takes 24-48 hours to process.

Pre-Qualification Form (loan scenario) is a good way to start (credit check not required).

Your Non-QM Approval

Do you want your approval that will accomodate your specific qualifications?. We work with dozens of progressive banks, Mortgage Brokers, Direct Lenders, and Correspondant Lenders. Alternative equity finance companies, private money lenders, broker service representatives, processors, credit consultants, Realtors, and industry professionals, alike.

We also have all the conventional lenders and loan programs, Fannie Mae, Freddie Mac, FHA and VA, all agency programs. What makes our agency lender loan programs unconventional is the absence of individual lender guideline over-lays that can potentially decline a perfectly good applicant. We also have manual underwriting available.

Check back often as we are always updating our loan programs as this industry continues to evolve.

List of articles in category Programs We Offer
Title Modified Date
Asset Qualifier Jumbo Loan 21 August 2022
Investor Loan - No Doc 30 August 2022
Stated Income Jumbo - 740 Credit Score 06 February 2023
Stated Income Verified Assets Owner-Occupied Jumbo 07 April 2021
Stated Income / Verified Assets 680 Credit Score 2 Million 31 August 2022
Bank Statement Loan - 600 Credit Score 26 October 2022
Non-Prime Bank Statement Loan 06 February 2023
Asset Depletion Program to 2 Million 31 August 2022
600 Credit Score Jumbo Mortgage Program 23 September 2022
Second Mortgage $350,000 06 February 2023
90% LTV - $1,500,000 - 4 Months Reserves 28 December 2022
Bank Statement Super Jumbo Loan 15 March 2023
Non-Qualified Mortgage Jumbo | Non-QM 29 August 2022
Stated Income / Verified Assets Super Jumbo 07 April 2021
80% Financing Stated Income / Stated Assets 31 August 2022
Bank Statement Loan 580 Credit Score 24 September 2022
No Income No Asset Verification 06 February 2023
Portfolio Jumbo Low Doc - One Year P&L Statement Only 29 August 2022
Bank Statements - Jumbo Mortgage - Interest Only 29 August 2022
Jumbo 1.5 Million Southern California 06 February 2023
Stated Income Jumbo Construction Loan 10 Million 30 August 2022
Commercial Loan Jumbo 80% LTV to 5 Million 30 August 2022
Portfolio Jumbo - Stated Income California 11 January 2023
Asset Depletion Super Jumbo Mortgage 31 August 2022
Portfolio Mortgage Programs 06 February 2023
Alternative Income Documentation Jumbo Program 30 August 2022
Nontraditional Credit Loan 06 February 2023
Jumbo Cash Out Refinance Loan 01 February 2023
Stated Income Verified Assets to 70% LTV Owner Occupied 07 April 2021
Super Jumbo Bank Statement Program 07 April 2021
Manufactured Home Loans 06 February 2023
Jumbo Bank Statement Loan 5 Million 24 September 2022
Rural Property 06 February 2023
Jumbo Investor Loan 75% LTV 720 Credit Score 06 February 2023
No Seasoning Requirement for Short Sale or Foreclosure 11 October 2022
Investor Purchase Loan Program 06 February 2023
95 Percent Financing 680 Credit Score 06 February 2023
Super Jumbo Mortgage Manual Underwrite 30 August 2022
Stand Alone Second Mortgage Loan Program 26 January 2023
Commercial Mortgage Stated Income Super Jumbo 31 August 2022
Portfolio Lender HELOC to $400,000 22 January 2020
Super Jumbo Bank Financing to 30 Million 06 February 2023
Bank Statements / Asset Depletion to 5 Million 29 August 2022
First Time Home Buyer Jumbo loan 06 February 2023
580 Credit Score to $800,000 06 February 2023
Bank Statement Loan to $4,000,000 29 August 2022
Investor Mortgage Program 13 December 2022
2nd Mortgage Program to $350,000 19 July 2022
Non-QM Low Doc Jumbo 24 September 2022
Non-QM Interest-Only Jumbo Program 11 October 2022
90% LTV Jumbo - 660 Credit Score 06 February 2023
Bank Statement Mortgage - Wage Earner 29 August 2022
Home Equity Line Of Credit - HELOC 01 February 2023
True No Doc Home Loan 10 September 2022
680 Credit Scores $1,500,000 Cash Out 19 July 2022
One Month Bank Statement Mortgage Loan Program 29 August 2022
24 Months Bank Statements - Business or Personal | Co-Mingle 24 September 2022
Business Purpose Mortgage Loans 13 October 2022
95% LTV Jumbo Unlimited Cash-Out to $1,500,000 29 August 2022
Inherited Property Loan Program 31 August 2022
Home Renovation Second Mortgage 26 October 2022
Private Money 70% LTV 16 July 2022
90% LTV - 12 Months Bank Statements 06 February 2023
100% Financing - USDA 31 December 2022
6 Month Bank Statement Mortgage Loan 21 February 2023
Conventional Mortgage Niches 29 August 2022
Second Mortgage Bank Statement Loan 29 August 2022
Super Jumbo Programs 26 January 2023
Manual Underwriting Loan Programs 29 December 2022
Non-Prime Jumbo 95% LTV 01 January 2023
Asset Depletion Program 22 August 2022
3 Month Bank Statement Loan 30 January 2023
One Year Tax Return Income Program 20 July 2022
One Year "1099 Only" Income Reduced Doc Program 15 March 2023
Non-Prime True No Doc Mortgage Program 28 February 2023
Non-QM Super Jumbo Mortgage Loans 20 July 2022
Debt Service Coverage No Ratio 20 July 2022
Non-QM Super Jumbo Alt Doc 28 December 2022
Super Jumbo Investor Mortgage | DSCR 13 December 2022
Bank Statement Loan Options | Self-Employed Borrowers - 2022 31 August 2022
New 

Alternative Income Documentation

  • 1099 Only Loans
  • Asset Depletion Loans
  • Bank Statement Loans
  • Business Purpose Loans
  • Lite Doc Loans
  • No Doc Loans
  • Reduced Doc Loans
  • SIVA Loans
  • SISA Loans

Contact a Loan Officer

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Purchase Loans - Alt Doc

  • Investment Property Loans
  • Jumbo and Super Jumbo
  • Multi Unit Property Loans

Non-Prime Bank Statement Mortgages

  • Alt Doc - 3 Month Bank Statements
  • 580 Credit Score - $1,500,000

One Month Bank Statement Loan

  • 680 Credit Score - 80% LTV
  • One Month Bank Statement - 80% LTV
  • One Month Bank Statement to $5,000,000

Bank Statement Refinance Loans

  • Jumbo $10,000,000
  • Real Estate Investor Cash Out
  • 1099 Only Alt Doc Non-Occ Co-borrower OK
  • 75% LTV 620 Credit Score | Non-Prime
  • 6 Months Cash Out to 85% LTV 760 FICO
  • 600 Credit Score 75% LTV Cash Out

3 Month Bank Statement Loans

  • 3 Months - 620 Credit Score
  • $2,000,000 Jumbo Cash Out
  • Bank Statements - No 4506-C

Self-Employed Documentation

  • Exception-Based Non-Prime Lender
  • Business Description for Bank Statements Loans
  • Self Employed Borrowers
  • Non-Prime Non-Qualified Lender Programs
  • Asset Qualifier

Popular Loan Programs

  • Asset Qualifier Jumbo Loan
  • Investor Loan - No Doc
  • Stated Income Jumbo - 740 Credit Score
  • Stated Income Verified Assets Owner-Occupied Jumbo
  • Stated Income / Verified Assets 680 Credit Score 2 Million
  • Bank Statement Loan - 600 Credit Score
  • Non-Prime Bank Statement Loan
  • Asset Depletion Program to 2 Million
  • 600 Credit Score Jumbo Mortgage Program
  • Second Mortgage $350,000
  • 90% LTV - $1,500,000 - 4 Months Reserves
  • Bank Statement Super Jumbo Loan
  • Non-Qualified Mortgage Jumbo | Non-QM
  • Stated Income / Verified Assets Super Jumbo
  • 80% Financing Stated Income / Stated Assets
  • Bank Statement Loan 580 Credit Score
  • No Income No Asset Verification
  • Portfolio Jumbo Low Doc - One Year P&L Statement Only
  • Bank Statements - Jumbo Mortgage - Interest Only
  • Jumbo 1.5 Million Southern California

Jumbo Mortgages

  • Super Jumbo Loans
  • Jumbo Loans

Cash Out Refinance

  • Investment Property Loans
  • Jumbo Loans
  • Super Jumbo Loans

Bank Statement Loan Niches

  • 12 Months Personal to 90% LTV
  • Bank Statement Jumbo - 620 Credit Score
  • Interest-Only 640 Credit Score
  • No 4506-C - 620 Credit Score
  • Non-Prime - 580 Credit Score
  • 600 Credit Score - $2,500,000
  • 85% LTV Jumbo - 640 Credit Score
  • 55% DTI to $2,000,000
  • Second Home - 85% LTV
  • 2-Unit - $500,000 Loan Amount

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