Contact a Loan Officer: (800) 718-8906
Self-Employed business owners (>25%) and independent business professionals: see the following income documentation loan programs: 1099 Only Loans, Asset Depletion, Bank Statements, DSCR Business Purpose Loans No Doc, No Ratio, Lite Doc, Reduced Doc, Stated Income/Stated Assets (SISA), and Stated Income/Verified Assets (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.
Submit your loan scenario for loan officer review before having your credit checked or speak to a live loan officer ~ 800-718-8906.
PennyMac Closed End Second Mortgage Program PennyMac offers a closed end second mortgage for homeowners and eligible real estate investors who want to access equity without refinancing their existing first mortgage. The program is available for primary residences, second homes, and non owner occupied properties, subject to program requirements. Because
Why Choose a Bank Statement Loan Understanding Bank Statement Loans A bank statement loan is an alternative-documentation mortgage designed primarily for self-employed borrowers. Instead of relying on W-2 forms, pay stubs, or traditional tax-return income, the lender reviews deposits shown on personal or business bank statements to determine qualifying income.
Find out how we can quickly and easily increase your credit score before broker-lender submission. Contact a Credit Specialist
Rapid Rescore Guidelines Rapid Rescore Documentation Guidelines A rapid rescore may help update specific credit report information when acceptable documentation is available. The credit bureaus have strict documentation requirements, and not every item can be changed through a rescore. The documents must clearly identify the account, match the information shown
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.
24 Month Bank Statement Loan Calculator 24-Month Bank Statement Loan Calculator Bank Statement Loan Calculator Estimate qualifying monthly income from business or personal bank statements. Bank Statement Loan Calculator Bank Statement Loan Calculator Estimate qualifying monthly income from business or personal bank statements. Enter monthly deposits, subtract non-business deposits, and
12 Month Bank Statement Loan Calculator Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. 12-Month Bank Statement Loan Calculator Bank Statement Loan Calculator Estimate qualifying monthly income from business or personal bank statements. Enter monthly deposits, subtract non-business deposits, and
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
Loan Scenario Form – Credit Check Not Required With the following information, we will shop your scenario (not your personal information) with hundreds of wholesale lenders for both pricing and loan program. 24 hour turn time. We can then go forward with a full application, credit, docs, etc. if you
Contact a Non-Qualified Mortgage Loan Officer Would you like additional information on our loan programs or lender programs? Please fill out the short form below. We will contact you soon. Customer Service: 800-718-8906. Please see message field below. You are welcome to describe your loan scenario and what you’re trying
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.
When applying for a Bank Statement Loan, it’s important to understand that Non-QM lenders require a Business Description as part of the underwriting process. Whether submitting for pre-qualification or full underwriting, lenders will request a detailed summary of your business. Some lenders refer to this as a Business Narrative or
Receive email updates on new loan programs as they become available. Unsubscribe at any time. We have kept the consumer informed on Niche and Unconventional loan programs since 2001. Please enable JavaScript in your browser to complete this form.Please enable JavaScript in your browser to complete this form. Real Estate
How to Get a Self-Employed Home Loan Have an understanding on how a Non-QM comes together in terms of best positioning yourself with the information you need before applying with a conditional lave an understanding on how a Non-QM comes together in terms of best positioning yourself with the information
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.
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.
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
Fast Close Mortgages Quick Close Mortgage Service is designed for borrowers who require speed, certainty, and execution. Our close-of-escrow date commitment is driven by C-level lender alignment and grounded in proven broker-lender performance and execution history. Get a head start on your loan approval without getting your credit checked with
Please complete this form as accurately as you can to the best of your knowledge. If you do not know or are unsure of an answer, simply skip it. There is a Your Message comments field at the bottom of this comprehensive short form, please utilize this field to provide
Hard Money Loan Pre-Qualification Form – No Credit Check Before authorizing a credit check and incurring a credit report inquiry, use our pre-qualification form in lieu of a full application to receive subjective feedback and expert advice from a licensed Loan Officer. We can address things such as product, pricing,
Receive email updates on new loan programs as they become available. Unsubscribe at any time. We have kept the consumer informed on Niche and Unconventional loan programs since 2001.
Loan Officer Pre Qualification – No Credit Check Complete this form and a Mortgage Loan Officer will contact you in a timely fashion. Please utilize the comments field for any additional information you feel would be helpful. Or connect direct to a qualified Loan Officer 800-718-8906. Text: 858-222-7534.
Before checking your credit report and completing a full application, use our comprehensive form (transaction type, loan amount, loan to value%, employment type, income documentation type, credit score(s), property type, occupancy type) to determine what you pre-qualify for now and also learn what is required to qualify for the mortgage
The “Bank Statement Mortgage Documentation” documentation requirements for self-employed borrowers researching bank statement mortgage loan programs and eligibility requirements.
Don’t Run My Credit – Pre-Qualification Form Please complete this form as accurately as you can to the best of your knowledge. If you do not know or are unsure of an answer, skip it. There is a comments field at the bottom of this form, you can utilize this
Complete this form and a Credit Rescore Specialist will contact you soon. Contact a Credit Rescore Specialist
Contact a Loan Officer Please see message field below for any additional information you feel is relevant. A qualified Loan Officer will contact you as soon as possible. 800-718-8906 to speak to a live loan officer.
Option: In lieu of a full “1003” Uniform Application, credit check and hard inquiry on your credit report, please complete this form to the best of your knowledge. If you are unsure or undecided on an answer, simply skip it. You can fill in the blanks with your loan officer
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
Asset depletion mortgage: Use liquid assets (cash, investments, retirement) as qualifying “income.” No W-2s or tax returns required—ideal for asset-rich borrowers.
Who We Are BrokerMortgages.com combines mortgage industry experience, wholesale lender access, loan program research, and individual scenario analysis to help borrowers identify financing options that fit their actual circumstances. We work with conventional mortgages as well as Non-QM, portfolio, alternative documentation, jumbo, investor, and other specialized mortgage programs. That breadth
Why Choose a Credit Rescore A credit rescore can help improve your credit score quickly, often within 3 business days to correct, update, or remove ”erroneous” information with the credit bureaus. This process can make a significant difference in qualifying for better mortgage rates or loan approvals. What is a
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
Why Choose a Non-QM Mortgage Broker? A Non-QM mortgage broker provides borrowers with access to a broader network of lenders, competitive wholesale interest rates, and flexible loan programs that may not be available through traditional retail banks. Instead of being limited to a single lender’s underwriting guidelines, pricing structure, and
Your Mortgage Approval Pre-approved, Approval with Conditions (CLA/conditional loan approval), Clear to Close (CTC). 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
Items to Have to Speed Up Approval and Escrow Process Did you recently fall out of escrow, and you need a fast close? Whatever the situation, we can close your loan fast. Keep in mind, there are many, many different loan programs that do not require a lot of the
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
Creative financing offers adaptable structures for complex borrower profiles and investment scenarios. We specialize in Non-QM and alternative mortgage programs.
Application to Close of Escrow Looking for a quick close? Let’s follow your mortgage application. Where does it go and why? Items you may need. Two speed up your application process. Time-Efficient Typically, when your Loan Officer has: Title, appraisal, Purchase Contract (when applicable) Approval with conditions met, should have
About BrokerMortgages.com BrokerMortgages.com is a mortgage information resource and full service mortgage broker channel designed to help borrowers research real-world loan programs, understand available financing options, and identify potential mortgage solutions before unnecessarily moving into a full loan application and credit approval process. Unlike many mortgage websites built primarily around