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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
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
Access up to $750,000 with a Stand-Alone Second Mortgage—no need to refinance. Requires 680+ credit score, supports primary and second homes.
Jumbo Non-QM Bank Statement Loans offer self-employed and high-income borrowers a flexible way to qualify for jumbo mortgages without tax returns. Borrow up to $5
Self-Employed Home Loan Program This kind of loan product is for the Self-Employed borrower that can produce a 1-year P&L along with a letter from
True Stated Income 2025 | Form 4506-C Not Required An alternative to the “bank statement loan” program for the well-qualified self-employed borrower. You could say
Maximum Loan Amount: $4,000,000 Cash Out: $1,500,000 Specialized lender leads the way in the Non-Prime niche mortgage lending space with over 50 years of collective
Alternative Income Second Mortgage Non-QM lender offers a closed-end, fixed-rate structure tailored for the needs of self-employed individuals and real estate investors. With a minimum
Self-Employed Borrower Income Documentation Portfolio direct lender functions as a direct lender boasting its unique portfolio loan of products and programs. They autonomously determine Non-QM
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
Non-Qualified Mortgages and Non-QM Mortgage Brokers In an ever-evolving Non-Qualified mortgage market, We continue to expand our products and guidelines Our team of Non-QM Mortgage
Six Alternative Income Verification Options This 3 month, 6 month, 12 month, or 24 month bank statement Non-QM loan program uses bank statements in lieu
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
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
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
The Hard Money Super Jumbo Florida Mortgage Program offers rapid, equity-based financing—supporting purchase, rate-and-term, and cash-out refinances—for loan amounts starting at $5 million and extending
Jumbo Second Mortgage | Alt Doc + Minimum Mortgage Credit Score: 680 Available Terms – 15- or 20 Year Fixed Rate Second Mortgages. Available for
Subprime bank-statement loan: Alt-doc financing using bank statements for income. Higher-risk, flexible qualification even with credit blemishes.
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
Bank Statement Jumbo Mortgage with Interest-Only options. Choose from 2-month or 24-month bank statement programs for purchase, rate/term refinance, or cash-out. Available for owner-occupied, second
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
Self Employed 1099 Only and Bank Statement Home Loans This loan program is for home buyers and homeowners that have a few late payments or
One-year tax-return alt-doc loan with up to 90% LTV; ideal for self-employed or recent income increase. Primary, second, & investment properties eligible.
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
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
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
Fix & Flip Flexible Capital Program: At Broker Mortgages, our Fix & Flip Program gives real estate investors the financial power to acquire, renovate, and
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
The Stated Income/Verified Assets (SIVA) Jumbo Loan Program, updated July 10, 2025, offers a high-net-worth, asset-based pathway to home financing without requiring tax returns or
Commercial Mortgage Stated Income This Commercial Mortgage Loan Program Does Not Require Tax Returns or W-2’s Credit Score: 660 Middle Credit Score Loan Purpose: *
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
Real Estate Investor Loan: Up to 12 Financed Properties OK Borrower can own unlimited properties, but only 10 can have a mortgage lien 680 Middle
Partner with us for ARV purchase & rehab loans—finance both acquisition and renovations, leverage your property’s after-repair value, with flexible terms & fast draws.
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
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
Sole Proprietor Super Jumbo Loan Program – $7,500,000 1099 mortgage loan income documentation can accommodate Sole proprietors, Independent Contractors, and Freelance Professionals. Non-Occupying Co-Borrowers OK.
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
Super Jumbo Alt-Doc loans with a 620 credit score: get up to $2.5M for purchases, flexible docs (bank statements, P&L), low down & broad eligibility.
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
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
Self-Employed Borrowers – Forms 4506-T / 4506-C Not Required This Alt Doc Home Loan program allows you to qualify using bank statements, providing a flexible
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
Jumbo Bank Statement Loan to $5,000,000. Alt-doc qualifying with 12–24 month. bank statements, up to 55% DTI, and $2,500,000 cash-out available.
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Maximum Loan Amount Investor Mortgage – $3,500,000 This investment property loan program provides up to $3,000,000 for purchases and rate-term refinances, with cash-out refinancing available up to $1,500,000. Available for investment properties, non-owner-occupied homes, and second homes, the program allows
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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