3 Month Jumbo Bank Statement Loan
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
10/29/2025
11/30/2025
Conventional to unconventional and everything in between. We offer real financial solutions to accommodate borrowers like yourself for purchase, rate/term, and cash out refinance, etc.
Government sponsored enterprise like Fannie Mae, Freddie Mac, Ginnie Mae, FHA, and VA are limited to Agency lenders and conforming loan programs are limited to what type of mortgage loans they can offer.
As a network of mortgage brokers comprised of a highly select group of prequalified, state-licensed Mortgage Loan Originators, we have broker access to 100s of loan programs covering a full spectrum of real estate finance needs and therefore able to go beyond the limits of what traditional lenders can provide.
Get ahead of the prequalification process with our comprehensive mortgage prequalification form designed to assess basic eligibility and also to identify and properly address any potential issues before anything else; committing to a full application i.e. form 1003 Residential Mortgage Application, incurring a credit check (hard or soft) inquiry.
Prime Mortgages, Non-Prime Mortgages, Near-Prime Portfolio, non-agency, Foreign National, and Investor Mortgages.
For Self-employed, unemployed, investor borrowers, and business professionals, alike.
Non–Trid loans: No Doc and No Ratio programs, Stated Income/Verified Assets, Stated Income/Stated Assets, DSCR, and Business Purpose mortgage loans (owner-occupied and non owner-occupied).
Prime loans: Non-Agency & Non-QM loan programs.. Just Missed, Expanded & Elite programs. Non-Prime: Alt-A & Private Equity Loans, hard money & private money financing. small business & alternative lending solutions
Alt Doc loans: Lite Doc, Reduced Doc.
Backed by the integrity of more than 200 of the best wholesale qm and Non-QM mortgage lenders in the country
representing 100s of years of collective mortgage origination industry experience offering both consumer purpose and business purpose product and service., for both residential and commercial properties.. Call us. 800-718-8906.
Mortgage Brokers can provide 150+ industry-leading lendeOur Non-QM industry leading lenders and loan products including Investment Property Loans, Jumbo Loans, Super Jumbo Loans, and various income and employment documentation solution programs.
Need a quick close mortgage? Our Quick Close Mortgage Service is designed for borrowers who require speed, certainty, and execution.
Leveraging established lender relationships across wholesale, portfolio, and non-QM channels, we are able to prioritize your loan file through expedited underwriting, accelerated document review, and direct access to key decision-makers.
This process may also include an expedited pre-qualification, helping ensure a faster, more efficient escrow timeline: the right approval structure, with acceptable conditions, lender and loan program selection, and committed turn times from title and appraisal partners.
Our close-of-escrow date commitment is driven by C-level lender alignment and grounded in proven broker-lender performance and execution history.
We work with select Mortgage Brokers: Loan Officers, Wholesale Lenders and Wholesale Lender Representatives, correspondent lenders, underwriters, Account Managers, Broker Service Representatives, Real Estate Transaction Coordinators, Real Estate Attorneys, Appraisers, Appraisal Management Companies, Loan Coordinators, Underwriters, Pre-underwrite department staff (help Desk): Loan Program Experts and Loan Scenario Specialist, and C-level community decision makers.
Our goal is simple, to help borrowers like yourself secure appropriate real estate financing per your individual needs, wants, preferences, and requirements at the best possible, pricing, terms, and loan approval conditions.
Qualified Mortgages are considered conventional and Non-Qualified mortgages “Non QM” are considered unconventional mainly because of the flexible underwriter guidelines such as DTI >43%, 40-year terms, and Interest-Only terms, to name a few.
Explore alternative lending solutions with mortgage programs tailored for diverse financial situations. Our resources cover program guidelines, qualification matrices, credit score requirements, financing limits, loan maximums, property eligibility, occupancy rules, seasoning criteria, reserve requirements, and key underwriting details.
While conventional loan programs are ideal for some borrowers with standard wage earner income and credit profiles. Conventional lenders also have out-of-the-box mortgage solutions mixed in with some unique guideline variances, We are also experts in conventional lending, lenders, loan programs, as well.
Interest-Only lenders and loan programs we offer.
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
Our Portfolio Closed End Second program with Alt Doc, 1099 Only, Bank Statement, and P&L Only mortgage solutions.
Qualify with rental income, not tax returns. Explore our DSCR Business Purpose Loan to buy, refinance, or cash-out on investment properties.
Flexible DSCR No Ratio loans up to $3,500,000 with LTVs to 85%. Available for purchases, refinances, and cash-out up to $500K. Eligible for SFRs, condos,
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
Solutions Non-QM Non-QM lender now allows you to qualify using a flat 20% expense ratio across all industries and without requiring a business narrative. *
12 month P&L statement along with 3 months bank statements to support P&L (10%-25% variance)..
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
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
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.
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
Carrington Wholesale Offers the Following Loan Program via our broker channels Check back often as we are always updating our lender and loan program information.
AD Mortgage Offers the Following Programs DSCR Program Our business purpose mortgage loan program is tailored to meet the needs of real estate investors seeking
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
Alternative Income Documentation: 12 Months Bank Statements Income verification is not required for the bank statement second mortgage loan program. Instead of traditional income documentation,
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 * 1-Year Income and Employment Verification Documentation,
DSCR First Time Investor Loan OK Our DSCR cash flow loan offers borrowers an interest-only option to qualify using the interest-only payment plus escrows. This
Access up to $750,000 with a Stand-Alone Second Mortgage—no need to refinance. Requires 680+ credit score, supports primary and second homes.
Super Jumbo Investor Mortgage | DSCR. A specialized DSCR loan program for real estate investors with a minimum credit score of 620. Offers up to
The Non-Prime True No Doc Mortgage Program is an equity-driven, alternative documentation option tailored for borrowers with unconventional income or documentation (like the self-employed, fixed-income
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
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,
Business Purpose Investor Loan Programs Loan programs for homebuyers and homeowners looking to refinance, rate/Term and Cash Out their Single-Family Residence, Condo or Multi-Unit including
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
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+
High-LTV condo jumbo financing up to 90% LTV and $2.5M, offering flexible credit options for purchases and cash-out refinances on a wide range of condo
Access the equity in your home without the paperwork stress. Our Second Mortgage Bank-Statement Loan is for self-employed homeowners, freelancers, or anyone who lacks traditional
24-Month Business & Personal Commingled Bank Account Mortgage. A specialized program allowing the use of both business and personal bank statements for qualification. Perfect for
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%
Bank Statement Jumbo Mortgage with Interest-Only options. Choose from 2-month or 24-month bank statement programs for purchase, rate/term refinance, or cash-out. Available for owner-occupied, second
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
Nationwide Private Mortgage Lender Unique mortgage loan program designed for the Residential Real Estate Investor This is a Private Money lender that has funded thousands
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
Access your home equity with a Jumbo Second Mortgage. Flexible LTVs, alt-doc options, and no need to refinance. Jumbo Second Mortgage loans up to $500,000
Qualify for an Asset Depletion Mortgage up to $5 million without tax returns. This program allows self-employed and W-2 borrowers to use verified assets as
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
Non-Prime Jumbo Program Loan Amount – $3,500,000 600 Credit Score Jumbo Mortgage Program, designed to provide accessible financing solutions for discerning investors. With loan amounts
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
Non-QM Mortgage Broker Loan Purpose: Purchase; Rate/Term and Cash Out Refinance; Construction; Commercial; Acquisition For the Super Jumbo Loan Program facilitated by our Non-QM Mortgage
Access an easy home loan up to $4,000,000 based on stated income, with a minimum credit score of 740. Skip the hassle and stress of
Flexible financing for real estate investors, with DSCR options, jumbo limits, and competitive terms to grow all of your refinance property portfolios.
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