Unconventional Mortgages and Loans | A Wealth of Information and Service

Alternative Mortgages

Alternative income and employment documentation investment property purchase loans for both owner-occupied and non-owner occupied for to see, research, and utilize. Call customer Service @ 800-718-8906 or see our Pre-Qualification Form - No Credit Check form above.

Alt Doc Mortgage Loans - Guidelines and Highlights:

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

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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 doc programs such as Bank Statements and/or 1099’s. Form 4506-T Not Required, and Form 4506-C

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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

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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

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Non-QM Portfolio Lender Loan Programs

Non-Qualified Mortgage Lender Serving California Non-QM lender offering Non-QM loan programs to California self-employed borrowers. California business owners need flexible non-qualified underwriter guidelines with favorable

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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

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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

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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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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.

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Alternative Income Documentation

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Unconventional Mortgages

Alternative Mortgage Lenders

Stated Income Home Loans

Second Mortgage Bank Statement Loans

No Doc Mortgages

Cash Out Refinance

Credit Score Tools