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Non-Prime Mortgage Loan Programs

Below are some of the Non-Prime Mortgages we offer.

Non-Prime Mortgage Loan Programs We Offer - Guidelines and Highlights:

Bank Statement Calculation Mortgage Lenders

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 is used but can be up to 65/35 if supported by a CPA expense statement.

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Debt Service Coverage Ratio Program

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 Investors. DSCR Investor Loans support both purchase and cash-out refinancing options. Qualify for up to

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DSCR .75% Jumbo Mortgage

The DSCR (Debt Service Coverage Ratio) Loan Program is built for experienced real estate investors, allowing up to 25 financed properties—far beyond most investor loan limits. Program guidelines are designed for flexibility, with no income verification and qualification based on property cash flow.

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Bank Statement Calculation Mortgage Lenders

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 is used but can be up to 65/35 if supported by a CPA expense statement. Company Ownership % Borrower(s) must own at least 50% of the company to use a business account for income. Business Bank Statements If the borrower also has a Business Bank Account we will use 100% of personal account deposits averaged over a 12/24 mo. period with 2 mo. business bank statements. Business Bank Account an expense ratio will be

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Non-Prime Bank Statement Loan 620 Credit Score

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 or without reduced-doc or alt-doc options like 1099 income—in lieu of standard tax returns. Designed for applicants with a minimum 620 credit score, the program supports purchase or refinance loans up to $2,500,000 at 80% LTV and enables cash-out refinances up to $1,500,000 in cash-in-hand.

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Investor Loan – No Doc

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 of loans nationwide, and makes all decisions in-house with over $200,000,000 to lend. Over 25 years of real estate investing experience; they know how to underwrite a loan. They also offer 3-year terms for borrowers with longer-term projects as well as traditional bridge funding. An investor can close in a natural person’s name or business entity. No Income No Asset Verification – Forms 4506-C Not Required This is a true No Doc hard/soft money

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Second Mortgage Bank Statement Loan

A Second Mortgage Bank Statement Loan allows qualified homeowners to access equity without refinancing their first mortgage. Using 12 to 24 months of personal or business bank statements instead of tax returns, this program provides a flexible solution for self-employed borrowers. Loan amounts and CLTV options extend up to 85%, depending on credit profile.

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Non-QM | Non-Prime Loan Programs

The Non-Prime / Non-Qualified Lender Programs offer flexible mortgage solutions for borrowers with unconventional financial profiles—like those with lower credit scores or alternative income documentation.

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Commercial Jumbo Loan 80% LTV to $6,000,000

Loan Purpose:PurchaseRate and Term RefinanceCash-out refinanceIRS 1031 Exchange for any borrower. Tax and insurance impounds required 12 Month Mortgage CreditSubject property and the borrower’s primary residence. The rest of the properties on the schedule of real estate will be checked via 3rd party sources to ensure there are no Notices of Default (NOD). Mortgages not rated on the credit report require canceled checks. The following is our delinquency tolerance on mortgages: No delinquencies in the past 90 daysAll must be currentOne 30-day late maximum in the past 12 monthsTwo 30-day lates maximum in the past 24 monthsBankruptcy – Must

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Non-QM Lenders and Loans

Bank Statement Program – 2025 This Bank Statement mortgage is designed for self-employed borrowers. You benefit from a simplified qualifying method with income based on revenue calculated from business or and (industry specific) personal bank statements Guideline Features: * Maximum loan amount $15,000,000 * 640 FICO Score * Cash-out to 70% LTV * Maximum DTI 55% (requires $4000 minimum disposable income) * Owner-occupied, Second Homes and Non-owner-occupied and investment properties. * Gifts – OK * Max Loan Amount $6,000,000 * Minimum 680 Mortgage Credit Score Required * Max 55% DTI (Debt-to-Income) / Interest-only * 75% LTV * Primary, Second,

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Non-Qualified Mortgage Jumbo 55% DTI

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 offers flexible income verification via 1099-only, bank statement, asset depletion, P&L-only (unaudited), Alt-Doc (24 months), Lite-Doc (12 months), or Reduced-Doc employment packages—depending on documentation availability. Borrowers may qualify with up to 90% LTV for purchase, 85% for rate/term refinance, and 80% for cash-out refinance, with a generous 55% debt-to-income limit, extended amortization options, and interest-only payment flexibility. Minimum credit score typically starts around 660 middle score, and major credit events like bankruptcy, foreclosure, or

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Stand-Alone Second Mortgage

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 income documentation.

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Stated Income Verified Assets Owner-Occupied Jumbo

The Stated Income Owner-Occupied Jumbo program (updated July 31, 2025) provides borrowers who prefer not to provide income documentation or tax transcripts. Purchase loans to 90% LTV up to $3.5 million, cash-out up to 90% LTV to $2 million and 85% LTV to $4 million.

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Self-Employed Home Loan – Lite Doc

A flexible 12-month bank statement loan program designed for self-employed borrowers and business owners, offering up to 85% LTV with alternative income documentation. W-2 co-borrowers allowed. Asset depletion, multiple financed properties, and recent mortgage lates OK.

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Jumbo Private Hard Money Program

Hard Money Loan Program All Property Types (Except Land & Manufactured Homes) 1st Trust Deeds Available and 2nd Trust Deed HELOC’s from $250,000 – $10,000,000 Guideline Highlights Bridge Loans Current NOD / NOS = OK Current Bankruptcy = OK Mortgage Lates = OK Low Fico Scores = OK Quick Funding Just Funded: $980,000 1st TD, $1,100,000 1st TD, $700,000 1st TD, $150,000 2nd HELOC, $250,000 2nd HELOC, $185,000 2nd HELOC, $145,000 2nd HELOC, $300,000 HELOC Available in the following states: Alabama, Arizona, California, Colorado, Florida, Georgia, Illinois, Nevada, Oregon, Texas, and Washington.

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6 Month Bank Statement Mortgage Loan

The 6-Month Bank Statement Mortgage 660 Credit Score program for borrowers with credit scores of 660 to qualify using six months of personal or business bank statements, along with verifiable assets u to 85% LTV.

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12 Month Bank Statement Loan + VOE Alt Doc

Self-Employed Home Loan 600 Credit Score Self-employed borrowers with credit scores as low as 600 can access flexible home financing through our alt doc mortgage programs. These loans are tailored for business owners, freelancers, and entrepreneurs who may not qualify through traditional income verification. 12 Months Bank Statements – 90% LTV – 680 Credit Score Go with our 12-Month Bank Statement Loan, which requires only one year of bank statements and employment verification. Borrowers with a 680 credit score can qualify for up to 90% LTV, while those with Non-Prime scores (620+) may still be eligible at slightly reduced

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Jumbo Bank Statement Alt Doc – 640 FICO

Non-Prime Bank Statement Options Self-Employed Borrowers: Portfolio Direct Lender is a direct lender with their own portfolio of loan products and programs, and they make their own Non-QM and Non-Prime manual underwriting decisions. Some Portfolio lenders can also lend their own money as well as a portfolio they contribute to or commit to a pre-determined lender service term. Credit Leniency and Underwriter Discretion Major credit events only require 1 year seasoning. Mortgage lates OK not to exceed 3 x 60 x 24 (6-60 day lates, including “rolling lates”), within the previous 24-month time period. Or 3 x 30 x

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Super Jumbo Investor – 30 million

Super Jumbo Loan Amounts to $30,000,000 Non-Prime/ Manual Underwrite Super Jumbo Common Sense Manual Underwriting and in-house decisions. Final decision with second signature requirement. Income Documentation Not Required Property Types: * Single Family Residence * 2 Units * 1-4 units Highlights: * Interest Only Available Including Cash Out Refinance * Unlimited Cash Out * Bridge Financing Available * Reverse 1031 Available * Cross Collateralization to Leverage Borrowers Investment Properties – 80% LTV * DTI > 50%+ OK * Gift Funds OK * Cash Out Qualifies for Cash Reserves * Departing Residence – New Rents Allowed * First Time Investors

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Bank Statements Jumbo Mortgage

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. Also offering 1-month and 2-month statement programs for greater flexibility in qualification.

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California Hard Money 30-Million

Super Jumbo Hard Money Loan Program 1st, 2nd, and 3rd Stand-Alone Mortgage | Forms 4506-T and 4506-C Not Required LTV – 70% to 75% depending on property location and property condition Eligible Occupancies: * Owner-Occupied (Business Purpose) * Non-Owner Occupied Eligible Property Types: * Residential (SFR, 2-unit, 4-unit) & Commercial properties Term – Short Term Bridge or longer-term loans No Prepayment Penalties Credit Score – No FICO Minimums, No Tax Returns Required, and, in some cases, No Appraisal Required Real Estate Investors – Multiple Properties Owned OK, use as Cross Collateral This program is available in the following California

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Non-QM Bank Statement Loan Program

The Non-QM Bank Statement Loan Program offers flexible underwriting with a maximum Debt-to-Income (DTI) ratio of 55% for loans up to $2,000,000, with even higher loan amounts permissible at reduced DTIs (e.g., 50% DTI up to $2.5M, 43% up to $3M, and 38% up to $3.5M)

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Bank Statement Loans – 2025

The Bank Statement Loans highlights a suite self-employed borrowers that cannot provide conventional income documentation including the 12-Month Bank Statement option to enable qualification using bank statements providing a flexible, documentation-light path to financing.

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Asset Qualifier Jumbo Loan

Federal Tax Transcripts Not Required Qualifying Criteria for this loan program are Asset Based. This program can also be used to supplement additional alt doc programs such as Bank Statements and/or 1099’s. Form 4506-T Not Required, and Form 4506-C Not Required This loan program is specifically designed for moderate to high-net-worth borrowers. Qualifying calculation based on verified liquid assets as an alternative method to traditional income verification to determine borrower’s ATR “Ability to Repay”. Our investors take a common-sense approach to underwriting the creditworthiness of a particular borrower regarding the individual’s ability to repay the loan. Asset-Based Loan Programs

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Super Jumbo Bank Financing to 30 Million

Super Jumbo Bank Financing up to $30 Million. Portfolio mortgage with flexible Lite Doc options, including 1099 Only income documentation up to $3M. Designed for high-net-worth borrowers seeking large loan amounts with alternative income verification.

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Non-Prime Cash Out Refinance

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 months to qualify for home loans with flexible terms. Available for purchases, refinances, and cash-out options, this program accommodates credit scores as low as 600, including previous bankruptcies, foreclosures, and short sales.

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Non-Prime True No Doc Mortgage Program

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 individuals, or those with past credit challenges). No income, asset, or employment verification is required—Debt-to-Income (DTI) isn’t considered. With a minimum credit score of 680, it supports purchase, rate-and-term refinance, and cash-out refinance, offering up to 80% LTV for purchase and rate-term, and 75% for cash-out. Available for various property types (owner-occupied, vacation, non-owner occupied), it includes ARM and fixed-rate terms, interest-only options, generous jumbo financing up to $20 million, and flexible guidelines for

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Non-Prime Super Jumbo – $5,000,000

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, eliminating the need for traditional income verification. Ideal for high-net-worth individuals seeking flexible financing.

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Stated Income Verified Assets to 75% LTV Owner Occupied

Our Stated Income / Verified Assets Mortgage Program offers flexible financing for self-employed borrowers with strong assets and non-traditional income. No tax returns required—just verified assets and stated income. Available for primary residence financing with a minimum 660 credit score.

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Super Jumbo Bank Statement Program

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 or business bank statements with loan amounts up to $5,000,000 and LTVs up to 90%.

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Non-Prime True No Doc Loan Program

Non-Prime – No Income and No Employment DTI up to 60% (back-end (dti) – total monthly payment sum divided by your total monthly payments (as they appear on your credit report (including REO portfolio). Use minimum payment on credit cards/revolving account) Example, if your monthly payment(s) is $10,000 and your income is $21,000, your back-end DTI (Debt-to-Income ratio) = 47.6% Following are a few underwriting guideline highlights: Favorable Terms, Pricing and Approval Conditions – Asset Depletion – liquid asset statements can almost always be utilized in conjunction for more favorable terms, conditions, and pricing – interest rates, points (0-point

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Bank Statement Loan – 600 Credit Score

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 profile and make your homeownership goals achievable. Bank statement loans are a game-changer for self-employed individuals seeking home financing. These loans allow the use of personal or business bank account statements to qualify, bypassing traditional income verification requirements. For self-employed homebuyers, Non-QM mortgage lending provides flexibility. Alt-doc loans empower those with unique income structures, offering a straightforward path to homeownership. This option is ideal for freelancers, entrepreneurs, and small business owners who may not

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Alternative Income Documentation Jumbo Program

Alt-Doc Mortgage Program: Flexible financing up to 90% LTV with loan amounts from $1.5M to $3.5M. No 4506-T or 4506-C forms required. Reserve requirement: 6 months for primary residence, plus 3 months per additional property owned.

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Non-QM – Stated Expense Ratio

Non-QM Stated Expense Ratio mortgage programs for self-employed borrowers using alternative income documentation. Bank statement lenders apply varying expense percentage rates to estimate business costs—key for qualifying without traditional income proof. Flexible underwriting for self-employed home loans.

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2nd Mortgage Program to $350,000

Jumbo Second Mortgage | Alt Doc + Minimum Mortgage Credit Score: 680 Available Terms – 15- or 20 Year Fixed Rate Second Mortgages. Available for Refinance or Purchase HELOCs available on Refinances (except Texas) Loan Amounts: Maximum Loan Amount $350,000 Minimum Loan Amount $200,000 $100,000 Minimum Loan Amount on HELOCs Stand Alone or Combo (1st and 2nd) Loan Packages Available Property Types: Single Family Residence, 1-2 Units, Condos (<4 stories) Occupancy: Owner Occupied. Non-Owner-Occupied Available in the Following States: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Louisiana, Maryland, Massachusetts, Mississippi, Missouri,

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Debt Service Coverage No Ratio

Debt Service Coverage Ratio (DSCR) – No Ratio program for real estate investors up to $5,000,000. Eligible for purchase and cash-out refinance with no employment or traditional income documentation required. Income is based on rental leases or appraisal. No DTI ratio applies, and credit score, LTV, and reserves are key factors.

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24 Months Commingle Bank Accounts

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 self-employed borrowers whose bank statements have previously hindered approval, offering flexible financing solutions.

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Asset Qualifier

Asset Qualifier Portfolio Mortgage with asset-based income documentation. Ideal for borrowers using 1099s (sole proprietors) to demonstrate ability to repay. Allows DTI ratios up to 55%, stated business purpose loans, and subordinate financing. Flexible lending based on assets, not just income.

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Alternative Income Documentation

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Unconventional Mortgage Lending

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Non-Prime Wholesale Lenders

1099 Only Niche Loan Programs

Bank Statement Second Mortgages

Stated Income Home Loans

Non-Prime Mortgages

Below are some of the Non-Prime Mortgages we offer.

Non-Prime Mortgage Loan Programs We Offer - Guidelines and Highlights | 800-718-8906

Contact a Loan Officer

1099 Only Niche Loan Programs

Bank Statement Second Mortgages