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Product, Programs, Pricing and Service

Your Right Approval

It could be the only thing that separates you from your new mortgage loan is the wrong loan officer. Most Loan Officer's (90%+) only originate conformimg, 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. A Pre Qualification (loan scenario) Form is a great way to start (credit check not required):

Mortgage Pre Qualification Form - Credit Check Not Required

Alternative Mortgage Loans

We work with dozens of progressive banks, mortgage brokers and direct 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 26 September 2020
Investor Loan - No Doc 15 July 2020
Stated Income Jumbo - 740 Credit Score 29 July 2020
Stated Income Verified Assets Owner-Occupied Jumbo 23 January 2020
Stated Income / Verified Assets 680 Credit Score 2 Million 03 January 2020
Bank Statement Loan 600 Credit Score 19 February 2021
Non-Prime Bank Statement Loan 11 April 2020
Asset Depletion Program to 2 Million 23 January 2020
600 Credit Score Jumbo Mortgage Program 10 September 2020
Second Mortgage $350,000 23 January 2020
Bank Statement Super Jumbo Loan 03 October 2020
Non-Qualified Mortgage (Non-QM) | Jumbo Program 23 January 2020
Stated Income / Verified Assets Super Jumbo 23 January 2020
80% Financing Stated Income / Stated Assets 23 January 2020
Bank Statement Loan 580 Credit Score 23 January 2020
No Income No Asset Verification 23 January 2020
Portfolio Jumbo Low Doc - One Year P&L Statement Only 23 January 2020
Bank Statements - Jumbo Mortgage - Interest Only 26 September 2020
Jumbo 1.2 Million Southern Ca 23 January 2020
Stated Income Jumbo Construction Loan 1 Million 23 January 2020
Commercial Loan Jumbo 80% LTV to 5 Million 23 January 2020
Portfolio Jumbo - Stated Income 23 January 2020
Asset Depletion Super Jumbo Mortgage 23 January 2020
Portfolio Mortgage Programs 23 January 2020
Alternative Income Documentation Jumbo Program 10 February 2021
Nontraditional Credit Loan 23 January 2020
Jumbo Cash Out Refinance Loan 23 January 2020
Stated Income Verified Assets to 70% LTV Owner Occupied 23 January 2020
Super Jumbo Bank Statement Program 23 January 2020
Manufactured Home Loans 23 January 2020
Jumbo Bank Statement Loan 3.5 Million 01 October 2020
Rural Property 23 January 2020
Jumbo Investor Loan 75% LTV 720 Credit Score 23 January 2020
No Seasoning Requirement for Short Sale or Foreclosure 23 January 2020
Investor Purchase Loan Program 23 January 2020
95 Percent Financing 600 Credit Score 23 January 2020
Super Jumbo Mortgage Manual Underwrite 23 January 2020
Stand Alone Second Mortgage Loan Program 17 December 2020
Commercial Mortgage Stated Income Super Jumbo 23 January 2020
Portfolio Lender HELOC to $400,000 23 January 2020
Super Jumbo Bank Financing to 30 Million 01 October 2020
Bank Statements / Asset Depletion to 3 Million 23 January 2020
First Time Home Buyer Jumbo loan 23 January 2020
580 Credit Score to $800,000 08 October 2020
Bank Statement Loan to 3.5 Million 09 October 2020
Investor Mortgage Program 23 January 2020
2nd Mortgage Program to $350,000 01 October 2020
Non-QM Low Doc Jumbo 23 January 2020
Non-QM Interest-Only Jumbo Program 23 January 2020
90% LTV Jumbo - 680 Credit Score 01 October 2020
Bank Statement Mortgage Loan 23 January 2020
Home Equity Line Of Credit - HELOC 23 January 2020
True No Doc Home Loan 23 January 2020
680 Credit Scores $900,000 Cash Out 29 July 2020
One Month Bank Statement Mortgage Loan Program 22 March 2020
24 Months Bank Statements Business or Personal 01 October 2020
Business Purpose Mortgage Loans 02 April 2020
95% LTV Jumbo Unlimited Cash-Out to $1,500,000 10 September 2020
Inherited Property Loan Program 10 September 2020
Home Renovation Second Mortgage 23 January 2020
Private Money 70% LTV 23 January 2020
90% LTV - 12 Months Bank Statements 07 October 2020
6 Month Bank Statement Mortgage Loan 21 February 2021
Conventional Mortgage Niches 23 January 2020
Second Mortgage Bank Statement Loan 23 January 2020
Super Jumbo Programs 10 September 2020
Manual Underwriting Loan Programs 23 January 2020
Non-Prime Jumbo 95% LTV 10 April 2020
Asset Depletion Program 31 January 2020
3 Month Bank Statement Program 11 February 2021
New 

Alternative Income Documentation

  • Asset Depletion Loans
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  • Stated Income/Verified Assets
  • Stated Income/Stated Assets

Self-Employed Documentation

  • Non-Prime Non-Qualified Lender Programs
  • Asset Qualifier
  • Business Narrative for Bank Statement Loan Programs
  • Non-QM Lender
  • Non-QM Lender - Stated Expense Ratio

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Latest Loan Programs

  • 3 Month Bank Statement Program
  • Bank Statement Program for Real Estate Investors
  • 1099 Only Programs
  • Debt Service Coverage Ratio Program
  • Super Jumbo Investor - 30 Million
  • Bank Statement Loan - 2020
  • 12 Month Bridge Loan
  • 90% LTV - ITIN Investors
  • Non-Prime True No Doc Loan Program
  • 6 Month Bank Statement Mortgage Programs
  • Super Jumbo Investor Loan
  • Non-QM Lender Niches
  • Reduced Doc | Employment History - One Year
  • 12 Month Bank Statement Alt Doc
  • DSCR 1.15% Jumbo
  • Condo Mortgage 90% LTV Jumbo
  • Bank Statement Mortgage to $10,000,000
  • After Repair Value
  • Stand-Alone Second Mortgage
  • No Ratio Investor Loan Jumbo

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