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Unique Mortgage Product and Uncommon Service
Self-Employed business owners (>25%) and independent business professionals: see the following income documentation loan programs: 1099 Only Loans, Asset Depletion, Bank Statements, No Doc, Lite Doc, Reduced Doc, SISA, and SIVA. 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.
First Time Home Buyer Reserve guidelines are favorable at 6 months. Full Stock(s) value, bonds, and Vested Retirement. No additional reserves needed for additional Real Estate Owned (REO), financed or not. Primary residence. No Limit on Financed Properties. Purchase, 90% LTV on Owner-Occupied, including Cash Out Refinance. New Jumbo with Guidelines
Application to Close of Escrow Looking for a Quick Close? Let’s follow your application. Where does it go and why? Items you may need. Let’s follow your mortgage application. Where does it go and why? Who will see it? And why? Items you may need to speed up your application process.
Mortgage Flexibility Adjustable-rate mortgages (ARMs) can remain an appealing option even when interest rates are low. The key factor in deciding if an ARM suits you is understanding how long you intend to stay in your home. This is important because every mortgage consists of three core elements: * Loan Amount * The
Why Choose a Non QM Mortgage Broker Mortgage brokers offer access to wholesale interest rates—often lower than what individuals can secure directly from banks—combined with superior service tailored to your needs. They provide a broader range of pricing options, loan products, and terms by working with a network of lenders, making
About Us We are a direct-to-consumer network of NMLS licensed mortgage brokers and loan officers. Could be the only thing holding you back from the right mortgage (pricing, product, terms, conditions) is a wrong loan officer. Our mission is to connect you with a vetted local loan officer who can provide personalized guidance
Need a Quick Closing? Do you now have an executed purchase contract in place with a scheduled close date to contend with? Do you have all of your documents in line but just need the right Loan Officer to work with? If you are a borrower and you need your mortgage
No Tax Return Transcripts / 4506-C
“4506” refers to IRS Form 4506, which allows lenders to request a transcript of a borrower’s tax return directly from the IRS. Here’s a summary tailored for a mortgage loan program:
In our mortgage loan programs, we differentiate ourselves by not requiring
Below is a list of some of our “Super Jumbo” Purchase loan programs. If you have any questions about our jumbo or super jumbo loan programs, call Customer Service 800-718-8906 to speak with a Mortgage Expert or our Pre Qualification Form – No Credit Check.
Alt Doc Multi-Unit Property Loans for to see, research, and utilize. Customer Service 800-718-8906 or see our “Pre-Qualification Form – No Credit Check” form above.
Fast Close Mortgages If you need a quick close, start with Pre-Qualification Form. This will give us the ability to properly serve you going forward. Leverage our staff and network to obtain a quick yes or no on whether a full application would be prudent and such as that time we can
Creative financing offers adaptable structures for complex borrower profiles and investment scenarios. We specialize in Non-QM and alternative mortgage programs.
The “Bank Statement Mortgage Documentation” documentation requirements for self-employed borrowers researching bank statement mortgage loan programs and eligibility requirements.
Asset depletion mortgage: Use liquid assets (cash, investments, retirement) as qualifying “income.” No W-2s or tax returns required—ideal for asset-rich borrowers.
Below is an actual Bank Statement Calculator from one of our Non-QM lenders. In addition, please see “Bank Statement Loan Scenario Form – No Credit Check” below for additional 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 quantifiable income. This approach ensures a tailored evaluation for debt-to-income (DTI) ratios and loan-to-value (LTV) thresholds, enabling access to competitive financing options. Bank Statement