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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 - 12 Month Employment Documentation Programs

Debt Service Coverage No Ratio

Debt Service Coverage Ratio (DSCR) – No Ratio program for real estate investors up to $5,000,000. Eligible for purchase and cash-out refinance with no employment or traditional income documentation required. Income is based on rental leases or appraisal. No DTI

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Non-QM – Stated Expense Ratio

Non-QM Stated Expense Ratio mortgage programs for self-employed borrowers using alternative income documentation. Bank statement lenders apply varying expense percentage

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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

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Alternative Income Documentation

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Unconventional Mortgage Lending

Latest Loan Programs

Stated Income Loans

Second Mortgage Niche Loans

Purchase Alt Doc Loans

Refinance Alt Doc Loans

Non-Prime Mortgage Loans

Non-Prime Bank Statement Loans

Credit Score Tools