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3 Month Bank Statement Loan Program – 2024 Our flexible loan options cater to those who have had an exceptional last 3 months. Instead of the standard 12 or 24
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 purchase at 90% LTV and
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
6 Months Bank Statement Alt Doc Mortgage – 660 Credit Score Personal or Business account statements can be used with any qualified assets with a mortgage credit score of 660
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
P&L Only Mortgage Loan Program The 12-Month P&L Only Loan Program offers a streamlined alternative documentation solution for borrowers with complex tax returns. Use profit and loss statements prepared by a CPA, CTEC, attorney, or EA to verify income, eliminating
Non-Prime Mortgage Lender Programs and Highlights Independent contractor mortgage borrowers can now use their 1099 forms to qualify as additional income, demonstrating their ability to repay. This is particularly beneficial for sole proprietors seeking mortgage approval. By including 1099 income,
Self-Employed Primary Borrower Self-Employed Bank Statement Loans are ideal for self-employed borrowers when tax returns/ Full Doc doesn’t apply Alt Doc (24 months) – Bank Statement Program These programs focus on bank statement revenue and cash-flow, making them suitable for
Foreign Nationals are buying properties now more than ever which means good & effective Buying Power for the foreign national and also more and more experience for us with the Foreign National mortgage loan programs. Purpose: Purchase, Cash Out Refinance
12 or 24 Months Business or Personal Bank Statements More and more Self-Employed Americans are finding it much easier to obtain reasonable mortgage financing. Without the alternative income documentation programs, we offer to Self-Employed borrowers, it would be very difficult
One-Year Lite Income Documentation | W2 Wage Earner Co-Borrower OK 620 Minimum Middle Credit Score – 75% LTV * Purpose: Purchase / Rate & Term | 85% LTV – 680 Credit Score* Cash-Out Refinance | 80% LTV – 640 Credit
Bank Statement Second Mortgage Loan Program A Stand-Alone Second Mortgage, also known as a second lien mortgage, allows borrowers to access home equity while keeping their existing first mortgage and low interest rate. This program is available for primary residences,
Second Mortgage Bank Statement Loan A Second Mortgage Bank Statement Loan is an ideal solution for homeowners looking to access their home equity without traditional income verification. This program is designed for self-employed borrowers who may not have W-2s or
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
Bank Statement and Asset Depletion Non-QM loan program uses bank statements In lieu of Traditional Income Documentation to determine a borrower’s Ability-to-Repay. Agency – government regulated. Non-QM is manually underwritten per investor guidelines as well as underwriter discretion. Non-QM Income
1 Year Full Doc Program – Reduced Employment Reduced doc loan program is for both W2 Wage Earner and Self-Employed borrowers. 1099 Only loan programs are also available. All Lite Doc and Reduced Doc Loans Require Previous one year Form
Asset Depletion Income Program to 90% LTV Our asset depletion programs can also qualify your business as well as your personal bank (100% gross deposits) accounts on either a 6-month, 12-month, or 24-month bank statement programs. Mortgage Asset-based Service We
Real Estate Investor Loan Program Designed for real estate investors, this Bank Statement loan can qualify investor income and self-employment income in different or multiple accounts. Rental income instead of tax returns, leases can be utilized to document income. Airbnb
The 12-Month Bridge Loan Program provides short-term financing that allows borrowers to access the equity in their property prior to its sale. Loan amounts range from $500,000 to $30,000,000 with a maximum loan-to-value (LTV) of 75%, making it an ideal
Bank Statement Mortgage – Wage Earner Jumbo and Super Jumbo Alt Doc Mortgage Purpose: Purchase, Rate/Term and Cash Out Lite Doc – W2 Wage Earner Wage Earner Income Documentation – Lite Doc * One (1) Year Employment Verification * Previous
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, and those with unconventional income. If you have strong equity, this program is tailored for
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.