Unconventional Mortgages and Loans | A Wealth of Information and Service

Alternative Documentation Mortgages

Consider our popular alternative loan programs: Stated Income Loans, Asset Depletion Loans, Bank Statement Loans, and No Doc Loans. These options offer flexible financing solutions for borrowers with varying income documentation needs. Whether you're self-employed, have limited traditional income verification, or prefer minimal documentation, we have a loan program tailored to your requirements.
Explore these diverse alternatives to traditional mortgage financing and find the best fit for your unique financial situation. Contact us to learn more about how these loan programs can support your borrowing needs.
Talk to a Loan Officer: 800-718-8906.

12 Month Bridge Loan

12-Month Bridge Loan: short-term loan up to $30M, up to 75% LTV. Tap your property equity fast before sale. Credit score min 620.

Read More »

Jumbo Bank Statement Loan 5-Million

12-Month Bank Statement Program expands its reach with low-doc qualifications for self-employed borrowers including sole proprietors and independent contractors, requiring only a 12-month average of gross deposits instead of traditional income documentation.

Read More »

Contact a Loan Officer

Hard Money Loans

Hard Money Below are some of our featured loan programs. Call with questions! (800) 718-8906. Contact a Loan Officer Contact a Loan Officer Last Updated

Read More »

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.

Read More »

12 Month Bridge Loan

12-Month Bridge Loan: short-term loan up to $30M, up to 75% LTV. Tap your property equity fast before sale. Credit score min 620.

Read More »

DSCR No Ratio 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

Read More »

No Ratio Investor Loan Jumbo

DSRC Investor Loan Program – No Income Verification Qualify for a self-employed mortgage with loan amounts up to $5,000,000 and a 760 middle mortgage credit

Read More »

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.

Read More »

3 Month Bank Statement Program

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

Read More »

Non-Prime True No Doc Loan Program

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,

Read More »

Super Jumbo Investor Loan

Super Jumbo Real Estate Investor Loan Program to $5,000,000 This investor program was created for seasoned professional Business Purpose Real Estate Investors for most property

Read More »

Investor DSCR Mortgage Program

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

Read More »

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

Read More »

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

Read More »

Debt Service Coverage Ratio 620 FICO

Business Purpose Investor Loan Program Loan programs for homebuyers and homeowners looking to refinance, rate/Term and Cash Out their Single-Family Residence, Condo or Multi-Unit including

Read More »

True No Doc Home Loan

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,

Read More »

Asset Qualifier Jumbo Loan

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

Read More »

P&L Only – 640 Credit Score

The P&L Only Mortgage Loan Program provides a streamlined, alternative documentation solution for borrowers with complex or unconventional income. Instead of traditional tax filings, applicants

Read More »

Non-QM Low Doc Jumbo

One-Year W-2 Jumbo: low-doc jumbo non-QM loans; 1-year W2 income, bank-statements, asset depletion. Up to $6M, 90% LTV for refi, 10% down for purchases.

Read More »

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

Read More »

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

Read More »

Non-Qualified Mortgages Lending

Contact a Loan Officer

Alternative Income Documentation

Lender Categories

Loan Program Categories

Bank Statement Refinance Loans

Bank Statement Second Mortgages

Jumbo Bank Statement Loans

1 Month Bank Statement Loans

3 Month Bank Statement Loans

6 Month Bank Statement Loans

12 Month Bank Statement Loans

24 Month Bank Statement Loans

No Doc Mortgages

Stated Income Home Loans

Credit Score Tools