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

Alt Doc & Reduced Doc – 1 Year Employment

1099 Only Lite Doc Bank Statement Loan – Qualify with just 1 year of income and employment verification. Ideal for self-employed borrowers with a 660+ credit score. Get up to 90% LTV on loans up to $1,500,000. Includes asset utilization

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One Month Bank Statement Mortgage Loan Program

Self-Employed Mortgage One Month Bank Statement Option One-Month Bank Statement Loan for Self-Employed: A flexible mortgage solution for purchases, rate/term refinances, and cash-out options. Ideal for self-employed borrowers, this program requires only one month of bank statements for qualification. Non-Qualified

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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,

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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