Contact a Loan Officer: (800) 718-8906
All of the following Lenders and loan programs allow for Gift Funds.
Borrowers with credit scores between 500 and 620 may still have viable mortgage options through Conventional, FHA, VA, and other agency programs when the loan
The Investor DSCR Loan Program provides financing for real estate investors using property rental income rather than traditional personal income documentation. Employment verification and personal
Bank statement mortgage program for self-employed borrowers using 12 months of personal or business statements, flexible expense factors, and loan amounts up to $3,500,000
Jumbo Bank Statement Mortgage for Self-Employed Borrowers This bank statement loan program is designed for self-employed borrowers, business owners, and independent contractors who may not
Alt Doc P&L-Only Jumbo Second to $1,500,000 Cash Out can be used for any purpose including , debt consolidation or purchase piggy back second mortgage.
Flexible Financing for Self-Employed Borrowers The Business Bank Statement Mortgage Program helps self-employed professionals and business owners qualify for mortgage financing without tax returns. Instead
Qualify using just 3 months of bank statements. Our Jumbo Bank Statement Loan offers up to 90% LTV and loan amounts to $5.5 million for
Foreign National DSCR loan program for business purpose investment properties. Up to 75% LTV, $3,000,000 loan amounts, and 680+ credit score required.
The 1099 Mortgage Program makes qualifying easier for self-employed borrowers. Only one year of 1099 income is required—no full tax returns—offering high loan amounts, flexible
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
This DSCR (Debt Service Coverage Ratio) mortgage program allows real estate investors to qualify based on rental income, not personal income. Ideal for business purpose
Looking for flexible financing that goes beyond conventional loan requirements? This Non-Prime Loan Program is designed for borrowers who need tailored solutions whether due to
No Ratio mortgage—no income disclosure required. A great fit for asset-rich or investment-savvy borrowers. Designed for primary, second home, and investment properties. Available for purchases,
Prime, Non-Prime, and Investor DSCR Solutions Non-QM: Non-QM lender now allows you to qualify using a flat 20% expense ratio across all industries and without
Our Bank Statement Loan program provides self-employed borrowers with an alternative to traditional income documentation. Use personal or business bank statements for up to 24
Stated Income Home Loan Program This Stated Income Home Loan program provides flexible financing solutions for owner-occupied properties, allowing borrowers to qualify without traditional income
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
California Only Non-Prime Available DSCR Available No title seasoning required for a Cash Out refinance Eligible Alt Doc Income Documentation: * Bank Statements – 12
Bank Statement Loan: 90% LTV with just a 620 credit score — up to $5M loan, 55% DTI, ideal for self-employed with complex deductions.
Qualify For a Loan Using Your Assets Your clients can leverage their assets – with no haircuts – using Logan’s Asset Qualification for Alt-Doc loan
Who Qualifies for this Loan Loan Terms & LTV Guidelines Refinancing & Cash-Out Options Borrowers may qualify for cash-out refinancing with unlimited cash at closing,
Home Loan Without Tax Returns Self-Employed borrowers often lack the ability to utilize their tax returns to qualify for suitable mortgage financing.. Our Bank Statement
First-time buyers/investors and foreign nationals eligible for 4 Unit DSCR Loans give real estate investors to expand their portfolios by leveraging cash flow, offering flexibility
Capital Alliance Offers the Following Programs Check back often as we are always updating our lender and loan program information. O/O Consumer Purpose Jumbo Prime
Non-QM Mortgage Lender Offering DSCR Loans As a Non-QM mortgage lender, we provide loans up to $3,000,000 with no TRID waiting periods. Borrowers can close
ClearEdge Lending is a wholesale lender specializing in Non-QM (non-qualified mortgage) products, known for both originating and securitizing loans as a true end-investor since 2015.
Profit and Loss (P&L) Loan Programs Mortgage qualification using a 12-month P&L statement, making it a flexible option for borrowers who don’t fit traditional mortgage
Angel Oak Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Bank Statement Loans Bank
The DSCR mortgage loan program is a powerful tool for investors to achieve their short term and long term investment objectives. With credit score requirements
Oak Tree Funding Offers the Following Loan Programs Oaktree Funding: Your Premier Non-Qualified Mortgage Lender G Non-Agency Equity HELOC Investor Professional Investor Cash Flow Advantage
Flex Supreme, a leading Non-QM loan program offering top-tier pricing for financially stable borrowers with or without credit challenges. Ideal for non-prime lending solutions.
DSCR Mortgage – Social Security Number Not Required Our flexible options with DSCR, No Ratio makes it easy to purchase or refinance (including Cash Out)
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
Non-QM Mortgage Broker Service We determine your qualifying income down to the dollar before you go through the full application process, credit check, and preliminary
Prime and Non-Prime Bank Statement Options Portfolio Direct Lender is a specialized direct lender offering an exclusive portfolio of loan products and programs. They make
Lender-Broker Notes Your First Look for Non-QM: Built for real-life borrowers; the self-employed, real estate investors, income diverse and credit-challenged clients. Borrowers that conventional lenders
AD Mortgage | Mortgage Pre-Qualification Form – No Credit Check AD Mortgage Introduces ADVocate, here with extensive experience with assist with Loan process.Brokers are now
Real Estate Investor Financing Our Investor Purchase Loan Program is designed for real estate investors seeking flexible financing solutions for residential investment properties. Whether you’re
Sole Proprietor Super Jumbo Loan Program – $7,500,000 This particular 1099 Only income documentation mortgage loan can accommodate Sole Proprietors, Independent Contractors, and Freelance Professionals
Purchase or Cash Out Refinance options available with a minimum 620 credit score. The Real Estate Investor Program provides flexible income documentation, including Full Doc
12 Months Income Alternative to 24 Months As an alternative to the standard two years of income documentation, we have two options for you: either
DSCR loans remain a top choice for real estate investors. We offer flexible guidelines using income from both long- and short-term rentals, and can qualify
Super Jumbo Bank Statement Loan for Self-Employed Borrowers The Super Jumbo Bank Statement Loan is designed for self-employed borrowers seeking high-balance financing with flexible income
1099 Only Lite Doc Income Documentation Bank Statement Loan | 660 Credit Score – 90% LTV to $1,500,000 Highlights include: Minimum Credit Scores: Portfolio Non-QM
3-Month Bank Statement Loans in California help self-employed borrowers qualify using just three months of ”income deposits”, no tax returns or W-2s required. Ideal for
Bank Statement Alt Doc Options Available – 2026 Updates We calculate your monthly income number (DTI purposes) before your loan is submitted to the underwriter
Super Jumbo Investor Mortgage | DSCR. A specialized DSCR loan program for real estate investors with a minimum credit score of 620. Offers up to
Non-QM Alt Doc Bank Statement Loans to $10,000,000 Now you can use your 1099(s) to qualify as additional income/”ability to repay” (ATR) Non-QM loans are
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
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.
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
Self-Employed Questionnaire Business information required to properly analyze bank statements Provide details of how income is generated: More than one physical site? (Check One) YES
Non-Prime Super Jumbo Loans up to $5,000,000 for self-employed borrowers. Use 12 or 24 months of business bank statements to demonstrate your ability to repay,
Non-Qualified Mortgage Lender Serving California Non-QM lender offering Non-QM loan programs to California self-employed borrowers. California business owners need flexible non-qualified underwriter guidelines with favorable
Non-Qualified Mortgages and Non-QM Mortgage Brokers In an ever-evolving Non-Qualified mortgage market, We continue to expand our products and guidelines Our team of Non-QM Mortgage
Bank Statement Employment Documentation: Verify self-employment with CPA letter or license. Qualify with 12–24 months statements, no tax returns required.
Non-Prime – No Income and No Employment If you’re seeking the right Non-Prime No-Income/No-Employment program requiring minimal documentation.With no verification of income or employment required,
6-Month Bank Statement Loan – 680 Credit Score This Six-Month Bank Statement Loan program caters to borrowers with a 680 credit score or higher, designed specifically for
1099 Only Lite Doc Bank Statement Loan – Qualify with just 1 year of income and employment verification. Ideal for self-employed borrowers with a 660+
The Non-Qualified Mortgage Jumbo (55% DTI) program is for borrowers with a high debt ratio via 1099-only, bank statement, asset depletion, P&L-only (unaudited).
Qualify for a mortgage using as little as 12 months of personal or business bank statements instead of traditional tax returns. This alternative documentation loan
How is Bank Statement Income Calculated? Total deposits, less business expense ratio, annualized, multiplied by the % of ownership. Standard 50/50 deposit to expense ratio
Our alternative documentation mortgage program features a Lite Doc option for borrowers seeking simplified income verification. Applicants can qualify using only the past 12 months
Self-Employed Borrowers: Purchase 90% LTV, and Cash Out – 85% LTV ~ Self-employed borrowers can now take advantage of alternative income documentation with options to
Second Mortgage Bank Statement Jumbo Loan. Flexible CLTV options with loan amounts starting at $250,000, up to 85% CLTV. Available for larger loans, with 80%
The Non-Qualified Mortgage Jumbo (55% DTI) program is designed for borrowers who may not have traditional documentation like tax returns, W-2s, or pay stubs. It
Self-Employed Borrower Income Documentation Portfolio direct lender functions as a direct lender boasting its unique portfolio loan of products and programs. They autonomously determine Non-QM
Niche Loan Non-Prime Mortgage Our non-prime jumbo mortgage loan program offers flexible financing options, allowing borrowers to qualify using either 12 or 24 months of
Our 24-Month Bank Statement Program offers a streamlined alternative: instead of relying on tax returns, you can qualify using up to two years of business
The 90% LTV – 12-Month Bank Statement Jumbo Loan caters to self-employed borrowers—especially sole proprietors—by allowing income qualification using either a year of bank statements
The Non-Prime Bank Statement Loan (620 Credit Score) is a Non-QM non-traditional income documentation. qualifY using 1 to 24 consecutive months of recent bank statements—with
No Income verification super jumbo Loan up to $30 Million. Access high-value financing without income documentation or employment history. Ideal for self-employed, retirees, day traders,
Federal Tax Transcripts Not Required Loan Qualifying Criteria for this loan program are Asset Based. This program can also be used to supplement additional alt
Our Bank Statement Mortgage Program offers self-employed borrowers and independent contractors a flexible financing solution without traditional income verification. Qualify using 24 months of personal
Bank Statement Loans for Self Employed Borrowers Whether you’re purchasing your first home or expanding your real estate portfolio, these loans adapt to your income
Subprime bank-statement loan: Alt-doc financing using bank statements for income. Higher-risk, flexible qualification even with credit blemishes.
600 Credit Score Jumbo Mortgage Programs A 600 credit score jumbo mortgage provides non-prime financing for borrowers who meet full income documentation and underwriting requirements
Real estate investor cash-out with bank-statement loans: use rentals, 1099 or Airbnb income, alt docs. Up to 85% LTV, flexible credit & no tax return
Super Jumbo Non-QM Mortgage Broker Loan Program Our Super Jumbo Non-QM Mortgage Broker program is designed for high-net-worth borrowers seeking maximum flexibility and financing solutions