Unconventional Mortgages (800) 718-8906

Unconventional Mortgages and Loans

(800) 718-8906

Unconventional Mortgages - A Wealth of Information Resource & Service: (800) 718-8906


Non-Prime Lite Doc

Lite Doc – One Tear Tax Returns to Qualify

Previous Year W2 30 Days Paycheck Stubs including YTD.

30 Days’ Paycheck Stubs Including YTD

4506-T Required

One Year Personal Tax Transcripts

Reduced Doc – One Year Self-Employment Verification:

Previous One Year Business and Personal Returns, All Schedules Including K1 / 1065

Taxes Filed and Current with Extension

One Year Business Seasoning required.

P&L – Previous Year through the most recent month

Only the Businesses (subject business/company) were using for qualification purposes.

Wage Earner Verification of Employment

Written Verification of Employment / WVOE

Signed by the Owner, Officer of the company or Direct Supervisor

Verbal Verification of Employment / VVOE:

Phone Number for the Human Resource Department

Small Business: Direct Supervisor Phone Number

Self-Employment Verification of Employment

Evidence of >2-Years Self-Employment The means to that end are as follows:

Tax Professional such as a CPA, EA, Professional Bookkeeper

Verify Phone Number and Business Address via Third Party resource, Manta, etc.

Available Terms:

30 Year Fixed Rate, 5/1, 7/1, 10/1 ARMS’s

10-Year Interest Only

20 Year Amortization

40 Year Fixed Rate, 5/1, 7/1, 10/1 ARMS’s

10-Year Interest Only

30 Year Amortization

Unlimited Financed Properties -OK


620 Minimum Credit Score – Up to a 55% Debt-to-Income Ratio (DTI)

Seasoning for Major Derogatory Credit Requires Only 2 Years Seasoning

Housing Payment History 1 30-Day Mortgage or Rent

With a 620 can go up to 55% Debt to Income Ratio

Available in the Following States:

Alabama, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Maine, Maryland, Massachusetts, Nevada, New Jersey, North Carolina, Oregon, Pennsylvania, Tennessee, Texas, Virginia, and Washington.