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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:

Super Jumbo Investor Loan

Super Jumbo Real Estate Investor Loan Program to $5,000,000 This investor program was created for seasoned professional Business Purpose Real Estate Investors for most property types without being required to reveal any sort of conventional income documentation or Verification of

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Non-Prime Lite Doc and Reduced Doc

Our alternative documentation mortgage program features a Lite Doc option for borrowers seeking simplified income verification. Applicants can qualify using only the past 12 months of income, either through one year of W-2s with recent pay stubs or a year

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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