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Reduced Doc Loans - 12 Month Employment Documentation Programs

One year employment and one year income. Reduced Doc mortgages are for people with less than two years employment history and can be self-employed, W2 wage earner, 1099(s), or any combination thereof. What this means to you is you only need to provide one year of employment verification documentation instead of the standard two-year history requirement. | Questions? Speak to a Loan Officer (800) 718-8906.

Reduced Doc Loans - Programs We Offer | Guidelines and Highlights:

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.

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Bank Statement Loans – 2025

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 bank statements providing a flexible, documentation-light path to financing.

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Alternative Income Documentation

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Unconventional Mortgage Lending

Latest Loan Programs

Stated Income Loans

Purchase Loans

Refinance Loans

Cash Out Refinance

Second Mortgages

Second Mortgage Niche Loans

Construction Loans

Purchase Loans | Alt Doc

Refinance Loans | Alt Doc

Non-Prime Mortgage Loans

Non-Prime Bank Statement Loans

Credit Score Tools