Contact a Loan Officer: (800) 718-8906
Below is the latest list of all of our Loan Programs for 2025 from all of the top Qualified Mortgage (QM) and Non-Qualified (Non-QM) Mortgage lenders in the United Stated from all of the major QM & Non-QM industry ”investors”.
Borrowers with credit scores between 500 and 620 may still have viable mortgage options through Conventional, FHA, VA, and other agency programs when the loan meets applicable underwriting requirements. These lower credit score mortgage programs can help mortgage professionals acomodate their credit challenged borrowers who might otherwise be turned away,
Flexible non-prime financing for borrowers with lower credit scores, recent mortgage lates, bankruptcy, foreclosure, or other credit challenges.
Portfolio non-prime financing for borrowers with re-established credit who may not meet traditional mortgage underwriting requirements.
The Investor DSCR Loan Program provides financing for real estate investors using property rental income rather than traditional personal income documentation. Employment verification and personal debt-to-income qualification are generally not required under the standard DSCR structure. Investor DSCR Program Highlights How DSCR Qualification Works Debt Service Coverage Ratio compares eligible
Prime Non-QM mortgage financing is designed for borrowers with generally good credit who may not qualify under conventional, government, or traditional jumbo mortgage guidelines. Qualification may be available using full income documentation or eligible alternative documentation methods, including bank statements, 1099 income, profit and loss statements, asset depletion, and other
Bank statement mortgage program for self-employed borrowers using 12 months of personal or business statements, flexible expense factors, and loan amounts up to $3,500,000
This P&L Only Jumbo Loan Program provides alternative income documentation for borrowers seeking mortgage amounts above $5 million. Qualified borrowers may finance up to $10,000,000 using a 12- or 24-month Profit and Loss Statement rather than traditional income documentation. The program allows up to 60% LTV for qualified borrowers with
Our manual underwriting process for DSCR loans provides the flexibility to evaluate loans comprehensively, allowing for more credit approval decisions. LTV up to 85% on purchase loans and rate/term refinances, accommodating a wider range of borrowers and financial situations. DSCR/ Debt Service Ratio Investment Property Loan This DSCR loan program
This bank statement mortgage program is designed for self-employed borrowers who qualify using bank statement cash flow instead of traditional tax-return income documentation. Under the 95% LTV program structure provided, eligible borrowers may finance up to 95% of the property value, with the remaining 5% down payment permitted from eligible
This non-prime mortgage program is designed for borrowers who may fall outside traditional agency or prime mortgage credit guidelines. Financing is available with credit scores as low as 500 for eligible purchase, rate/term refinance, and cash-out refinance transactions on primary residences. Loan amounts range from $200,000 to $1.5 million. Eligible
Self-employed borrowers may qualify with an unaudited 12-month or 24-month profit and loss statement. Program features include financing up to 90% LTV, loan amounts up to $4 million, and no bank statements required to support the P&L.
Access the equity in your primary residence, second home, or investment property without replacing your existing first mortgage. This closed-end second mortgage program provides a fixed loan amount, predictable monthly payments, and repayment terms of 10, 20, or 30 years. Borrowers may use the funds for home improvements, renovations, college
Self-Employed Home Loan $4,000,000 90% LTV Every loan is different, and not every borrower fits traditional lending guidelines. We offer a variety of Non-QM loan programs designed to help with unique financing situations. Contact us today to discuss your options. Loan Program Transaction Types: Loan-to-Value (LTV) Matrix Full Doc, Lite
Jumbo Bank Statement Mortgage for Self-Employed Borrowers This bank statement loan program is designed for self-employed borrowers, business owners, and independent contractors who may not qualify with traditional tax return income. Instead of using standard W-2 income or full tax return documentation, eligible borrowers may qualify using 12 or 24
Alt Doc P&L-Only Jumbo Second to $1,500,000 Cash Out can be used for any purpose including , debt consolidation or purchase piggy back second mortgage. This loan program is for self-employed people that are unable to use traditional income documents. With many homeowners locked into historically low first mortgage rates,
1099 Only Jumbo Home Loan 1099 mortgage financing for high-earning freelancers, independent contractors, gig workers, and self-employed business owners who may not qualify using traditional income documentation. Jumbo 1099 Loan Program for Sole Proprietors A flexible alternative income documentation mortgage program that allows qualified borrowers to use 1099 earnings rather
Overview & Underwriting Philosophy Summary: Focus on income stability, employment history, credit depth, assets, and collateral Programs & Products Summary of available documentation types: Eligible Product Terms: Key Limits (matrix-driven): Property Eligibility Eligible: Ineligible: Appraisal Requirements: Condos: Transaction Types Purchase – LTV based on lower of sales price or value
Flexible Financing for Self-Employed Borrowers The Business Bank Statement Mortgage Program helps self-employed professionals and business owners qualify for mortgage financing without tax returns. Instead of W-2s, borrowers can use 12 to 24 months of business bank statements to verify income — a practical solution for those with complex or
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 self-employed borrowers.
This DSCR Second Mortgage lets investors leverage property equity based on rental income—no tax returns or personal income verification required.
Portfolio closed-end second mortgage with alternative income documentation, loan amounts from $150,000 to $750,000, and CLTV up to 90%.
Foreign National DSCR loan program for business purpose investment properties. Up to 75% LTV, $3,000,000 loan amounts, and 680+ credit score required.
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, non-warrantable condos, and multi-units.
Qualify for a Jumbo Bank Statement Loan up to $10 million with no tax returns required. Designed for self-employed and W-2 co-borrowers using 24 months of bank statements.
The Closed-End Bank Statement Second Mortgage program provides second-lien financing for self-employed borrowers and real estate investors who may not qualify using traditional income documentation. Depending on the loan purpose and borrower profile, qualification may be available using bank statements, 1099 income, Profit and Loss statements, DSCR, or other alternative
This DSCR (Debt Service Coverage Ratio) mortgage program allows real estate investors to qualify based on rental income, not personal income. Ideal for business purpose loans, short-term rentals, and investment property acquisitions.
Looking for flexible financing that goes beyond conventional loan requirements? This Non-Prime Loan Program is designed for borrowers who need tailored solutions—whether due to unique income documentation, past credit events, or higher loan amounts. Manual Underwrite available. Non-Prime Program Highlights * Loan Minimum Credit Score 580 * Loan Amounts: $100,000
No Ratio mortgage—no income disclosure required. A great fit for asset-rich or investment-savvy borrowers. Designed for primary, second home, and investment properties. Available for purchases, rate/term, and cash-out refinance. No Income Disclosed or Documented: Loan Amounts: Credit Score Minimum: 640 Property Types: Maximum LTV: Eligible Occupancies: Liquid Asset Requirements: Income
Stated Income Home Loan Program This Stated Income Home Loan program provides flexible financing solutions for owner-occupied properties, allowing borrowers to qualify without traditional income documentation. Eligible Transactions Loan-to-Value (LTV) & Credit Score Requirements Purchase & Rate/Term Refinance – Primary Residence: Cash-Out Refinance – Primary Residence: Loan Amount & Reserve
100% LTV FHA Down Payment Assistance Program The FHA Down Payment Assistance (DPA) program provides eligible homebuyers with financing for the FHA required 3.5% down payment, allowing qualified borrowers to finance up to 100% of the purchase price. FHA DPA Program Highlights 100% FHA Financing With Down Payment Assistance FHA
The 12-Month Bank Statement Loan is designed for self-employed and 1099 borrowers who prefer simplified documentation. Instead of tax returns, approval is based on bank statements, with financing up to $4 million and loan-to-value ratios as high as 90%. Flexible terms, multiple property types, and no mortgage insurance make this
Our Debt Service Coverage Ratio (DSCR) loan program is designed for real estate investors who want to qualify based on rental income rather than personal income documentation. Whether you’re a first-time investor or looking to expand your portfolio, this program provides a flexible path to financing. Key Benefits of a
California Only Non-Prime Available DSCR Available No title seasoning required for a Cash Out refinance Eligible Alt Doc Income Documentation: * Bank Statements – 12 Months * Bank Statements – 24 Months * Asset Depletion Primary Residence to $2,000,000 Credit Score Matrix Credit Score Purchase Refinance R/T Cash Out 720
Bank Statement Loan: 90% LTV with just a 620 credit score — up to $5M loan, 55% DTI, ideal for self-employed with complex deductions.
Qualify For a Loan Using Your Assets Your clients can leverage their assets – with no haircuts – using Logan’s Asset Qualification for Alt-Doc loan product. Assets such as savings, stock portfolios, and other liquid assets, are eligible at 100% as collateral. Key Loan Program Features: Available in the Following
Who Qualifies for this Loan Loan Terms & LTV Guidelines Refinancing & Cash-Out Options Borrowers may qualify for cash-out refinancing with unlimited cash at closing, provided LTV requirements are met. Geographic Coverage This loan program is available in all 50 U.S. states. Special Borrower Scenarios & Flexibility Documentation & Underwriting
Home Loan Without Tax Returns Self-Employed borrowers often lack the ability to utilize their tax returns to qualify for suitable mortgage financing.. Our Bank Statement Program provides eligible self-employed borrowers the flexibility to qualify for loan amounts up to $5 million using personal or business bank statements instead of tax
First-time buyers/investors and foreign nationals eligible for 4 Unit DSCR Loans give real estate investors to expand their portfolios by leveraging cash flow, offering flexibility and powerful financing options. This program not only supports your clients but also builds your loyal and growing customer base. DSCR Program Feature Highlights: The
Non-QM Mortgage Lender Offering DSCR Loans As a Non-QM mortgage lender, we provide loans up to $3,000,000 with no TRID waiting periods. Borrowers can close in an LLC or corporation, with credit scores as low as 620 and DSCR ratios down to 0.75. Our DSCR calculated using gross rental income
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 plans. Ideal for expanding your client base in Non-QM lending. P&L Only Program Highlights The Profit and Loss (P&L) Loan Program in Non-QM mortgage lending
The DSCR Mortgage Loan Program offers financing options with a Debt Service Coverage Ratio as low as 0.75. Borrowers can choose from adjustable-rate mortgages (ARMs) with interest-only options or fixed-rate products. The program allows for loan-to-value (LTV) ratios of up to 80%, with loan amounts ranging from $200,000 to $4,000,000.
Unconventional Real Estate Investor (DSCR) Loan Program Our Debt Service Coverage Ratio (DSCR) loan program is designed for real estate investors seeking aggressive financing with preferential terms. With a minimum credit score requirement of just 620, qualified borrowers can secure up to 85% LTV on purchase transactions and up to
The DSCR mortgage loan program is a powerful tool for investors to achieve their short term and long term investment objectives. With credit score requirements starting as low as 600 and a maximum loan-to-value (LTV) of 85%, this program offers flexibility and accessibility. Loans range from $200,000 to $3,500,000. Investor
DSCR Mortgage – Social Security Number Not Required Our flexible options with DSCR, No Ratio makes it easy to purchase or refinance (including Cash Out) DSCR ≥.75 and No Ratio options Qualify with a minimum DSCR of .75 and loan amounts up to $4,000,000. Short-term rentals are eligible, and for
Our manual underwriting process for DSCR loans provides the flexibility to evaluate loans comprehensively, allowing for more credit approval decisions. LTV up to 85% on purchase loans and rate/term refinances, accommodating a wider range of borrowers and financial situations. Investment Property Business Purpose Loan This DSCR loan program is designed
Bank Statement Loan $4,000,000. Max LTV 85% Bank Statement Jumbo Mortgage: Borrow up to $4,000,000 with a maximum 90% LTV Maximum LTV/ Minimum Credit
3 Months Bank Statements Alt Doc Type Three Months Bank Statements (business, personal or both (multiple accounts OK) accounts if income deposit activity can be identified and makes sense. If there’s income deposit activity, provide statements from that account. Include Asset Based Income Doc Option. Non-Prime 3-Month Bank Statement Mortgage
Real Estate Investor Financing Our Investor Purchase Loan Program is designed for real estate investors seeking flexible financing solutions for residential investment properties. Whether you’re acquiring your first rental property or expanding an established portfolio, this program offers competitive financing with alternative qualification options, jumbo loan amounts, and underwriting designed
Jumbo Bank Statement Program – 640 Credit Score Self-Employed including 1099 Independent Contractors as well as W2 Commission Professionals. 3 Bank Statement mortgage options that provide flexibility for business owners that utilize both their personal account and Business account for business expenses, income deposits, transfer activity. In addition, this program
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, it uses alternative methods like bank statements to assess a borrower’s financial ability, making it a flexible option for those who may not meet standard
Condo Mortgage Program 90% LTV to $2,500,000 Purpose: Purchase, Refinance Cash Out Verbal Verification of Employment Options Available (V V O E) 40 Year Fixed Rate – Interest-Only Option with 660 Middle Credit Score Expanded Guidelines Options for Non-Traditional Condominium Property Types* Inherited Properties – OK. Includes Properties Obtained via
Stated Income / Verified Assets Mortgage This Stated Income / Verified Asset mortgage loan program is for borrowers that own their own business and also have liquid reserves equal to 12 months of the proposed housing expense. Loan Scenario Form – Credit Check Not Required True California Stated Income Programs