Speak to a Live Loan Officer: (800) 718-8906
Home Loan Without Tax Returns Self-Employed borrowers often lack the ability to utilize their tax returns to qualify for suitable mortgage financing.. Our Bank Statement Program provides eligible self-employed borrowers the flexibility to qualify for loan amounts up to $5
This DSCR (Debt Service Coverage Ratio) mortgage program allows real estate investors to qualify based on rental income, not personal income. Ideal for business purpose loans, short-term rentals, and investment property acquisitions.
Flexible portfolio mortgage options including jumbo loans to $15M, FHA flips, multiple financed properties, and alternative qualifying solutions.
Access your home equity with a Jumbo Second Mortgage. Flexible LTVs, alt-doc options, and no need to refinance. Jumbo Second Mortgage loans up to $500,000
Bank Statement Loans for Self Employed Borrowers Whether you’re purchasing your first home or expanding your real estate portfolio, these loans adapt to your income
Conventional Lender – Minimal Overlays The condition “Purchase: Source & season Earnest Money Deposit in the amount of $XXXX is usually not required. Stock and
Non-QM Alt Doc Bank Statement Loans to $10,000,000 Now you can use your 1099(s) to qualify as additional income/”ability to repay” (ATR) Non-QM loans are
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
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
A lender committed to providing gap financing solutions 1st and 2nd Loan Packages Cross collateralization for larger loan sizes Fast underwriting decisions and funding Additional
One-year alternative income as well as employment verification (VOE) documentation. “Lite Doc” loan programs fit self-employed borrowers. Lite Doc and Reduced Doc programs are also
The Non-QM Bank Statement Loan Program offers flexible underwriting with a maximum Debt-to-Income (DTI) ratio of 55% for loans up to $2,000,000, with even higher
Flexible income documentation options with as little as 3 months of personal or business bank statements. This 3-month program is a streamlined alternative to 6-,
The Non-Prime / Non-Qualified Lender Programs offer flexible mortgage solutions for borrowers with unconventional financial profiles—like those with lower credit scores or alternative income documentation.
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
Nontraditional Credit Loan Program | 620 Credit Score Required This loan is for borrowers that don’t have or don’t have enough traditional credit; credit that
Profit and Loss (P&L) loans are Non-Qualified Mortgage loans. Non-QM mortgage lending allow our borrowers to qualify using a 12-month P&L statement, making it ideal
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
Super Jumbo Investor Mortgage | DSCR. A specialized DSCR loan program for real estate investors with a minimum credit score of 620. Offers up to
DSRC Investor Loan Program – No Income Verification Qualify for a self-employed mortgage with loan amounts up to $5,000,000 and a 760 middle mortgage credit
Super Jumbo Non-Prime Alt Doc – $10,000,000 Documentation: Bank Statements from 600+ FICO to 90% LTV Full Income Documentation to 90% LTV | Tax Returns,
DSCR loans remain a top choice for real estate investors. We offer flexible guidelines using income from both long- and short-term rentals, and can qualify
Purchase or Cash Out Refinance options available with a minimum 620 credit score. The Real Estate Investor Program provides flexible income documentation, including Full Doc
Borrow up to $3M with jumbo hard money loans at 80% LTV for fix & flip, bridge, construction & more. No 4506-T required, flexible income
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
Our Bank Statement Mortgage Program offers self-employed borrowers and independent contractors a flexible financing solution without traditional income verification. Qualify using 24 months of personal
This second mortgage program is designed for qualified borrowers with a 720 credit score seeking financing up to 85% combined loan-to-value (CLTV). It may be
Manual Underwriting Loan Programs Flexible Mortgage Solutions with Manual Underwriting Manual underwriting is designed for borrowers who may not meet traditional automated underwriting requirements. Instead
Manufactured Home Loan Programs 680 Credit Score, Minimum 50% – Maximum Debt-to-Income Ratio DTI No Cash Out All Automated Underwriting Owner-Occupied Only FHA Maximum LTV:
Non-Prime Alt Doc Self-Employed Program Non-Prime mortgages are not only for challenged credit borrowers, but also good and excellent credit borrowers that require a higher
No Income verification super jumbo Loan up to $30 Million. Access high-value financing without income documentation or employment history. Ideal for self-employed, retirees, day traders,
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
For borrowers seeking minimal documentation, the Stated Income/Stated Assets (SISA) option provides an easy and opportune loan approval, focusing on stated financial details rather than
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
Asset Qualifier Portfolio Mortgage with asset-based income documentation. Ideal for borrowers using 1099s (sole proprietors) to demonstrate ability to repay. Allows DTI ratios up to
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
Access up to $750,000 with a Stand-Alone Second Mortgage—no need to refinance. Requires 680+ credit score, supports primary and second homes.
One Month Bank Statement Loan Program for self-employed borrowers. A flexible solution allowing qualification with just 1 month of bank statements, ideal for those seeking
High-LTV condo jumbo financing up to 90% LTV and $2.5M, offering flexible credit options for purchases and cash-out refinances on a wide range of condo
The Non-Qualified Mortgage Jumbo (55% DTI) program is for borrowers with a high debt ratio via 1099-only, bank statement, asset depletion, P&L-only (unaudited).
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