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A detailed list of Alt Doc mortgages for the state of North Carolina for purchase, refinance and cash out.
Non-Prime Super Jumbo Bank Statement Loan – 600 Credit Score Non-Prime Bank Statement Loans provide financing for borrowers with a 600+ credit score. Self-employed individuals
Alt Doc Loans Bank Statement Loans Bank Statement Mortgages Jumbo Loan Programs Jumbo Loans
DSCR First Time Investor Loan OK Our DSCR cash flow loan offers borrowers an interest-only option to qualify using the interest-only payment plus escrows. This
Jumbo Second Mortgage | Alt Doc + Minimum Mortgage Credit Score: 680 Available Terms – 15- or 20 Year Fixed Rate Second Mortgages. Available for
Super Jumbo Alt-Doc loans with a 620 credit score: get up to $2.5M for purchases, flexible docs (bank statements, P&L), low down & broad eligibility.
6-Month Bank Statement Loan – 680 Credit Score This Six-Month Bank Statement Loan program caters to borrowers with a 680 credit score or higher, designed specifically for
Asset Depletion Program: turn your assets like stocks or investments into income, boost your borrowing power without pay stubs.
Real estate investor cash-out with bank-statement loans: use rentals, 1099 or Airbnb income, alt docs. Up to 85% LTV, flexible credit & no tax return
Bank Statement Loan: 90% LTV with just a 620 credit score — up to $5M loan, 55% DTI, ideal for self-employed with complex deductions.
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
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.
Flexible financing for real estate investors, with DSCR options, jumbo limits, and competitive terms to grow all of your refinance property portfolios.
Access the equity in your home without the paperwork stress. Our Second Mortgage Bank-Statement Loan is for self-employed homeowners, freelancers, or anyone who lacks traditional
24-Month Business & Personal Commingled Bank Account Mortgage. A specialized program allowing the use of both business and personal bank statements for qualification. Perfect for
Self-Employed Borrowers – Forms 4506-T / 4506-C Not Required This Alt Doc Home Loan program allows you to qualify using bank statements, providing a flexible
3-Month Bank Statement Loan. Use either 3 months of business or personal bank statements as an alternative to the 6-month, 12-month, and 24-month programs. Ideal
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
Jumbo Bank Statement Loan to $5,000,000. Alt-doc qualifying with 12–24 month. bank statements, up to 55% DTI, and $2,500,000 cash-out available.
The DSCR Mortgage Loan Program offers financing options with a Debt Service Coverage Ratio as low as 0.75. Borrowers can choose from adjustable-rate mortgages (ARMs)
Access up to $750,000 with a Stand-Alone Second Mortgage—no need to refinance. Requires 680+ credit score, supports primary and second homes.
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
A Second Mortgage Bank Statement Loan allows qualified homeowners to access equity without refinancing their first mortgage. Using 12 to 24 months of personal or
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
Qualifying for a mortgage on an investment property can be tricky, particularly if you own multiple properties. The DSCR (Debt Service Coverage Ratio) option makes
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
Jumbo Non-QM Bank Statement Loans offer self-employed and high-income borrowers a flexible way to qualify for jumbo mortgages without tax returns. Borrow up to $5
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-,
Second Mortgage Bank Statement Jumbo Loan. Flexible CLTV options with loan amounts starting at $250,000, up to 85% CLTV. Available for larger loans, with 80%
Non-QM Mortgage Broker Service We determine your qualifying income down to the dollar before you go through the full application process, credit check, and preliminary
Bank Statement Mortgage – Wage Earner Jumbo and Super Jumbo Alt Doc Mortgage Purpose: Purchase, Rate/Term and Cash Out Lite Doc – W2 Wage Earner
12 month P&L statement along with 3 months bank statements to support P&L (10%-25% variance)..
Alt-Doc Mortgage Program: Flexible financing up to 90% LTV with loan amounts from $1.5M to $3.5M. No 4506-T or 4506-C forms required. Reserve requirement: 6
The Non-Prime Bank Statement Loan (620 Credit Score) is a Non-QM non-traditional income documentation. qualifY using 1 to 24 consecutive months of recent bank statements—with
Bank Statement Jumbo Mortgage with Interest-Only options. Choose from 2-month or 24-month bank statement programs for purchase, rate/term refinance, or cash-out. Available for owner-occupied, second
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
Hard money jumbo loans in California offer flexible financing with no personal income verification, allowing borrowers to qualify based on liquid assets for reduced investor
Maximum Loan Amount Investor Mortgage – $3,500,000 This investment property loan program provides up to $3,000,000 for purchases and rate-term refinances, with cash-out refinancing available
Sole Proprietor Super Jumbo Loan Program – $7,500,000 1099 mortgage loan income documentation can accommodate Sole proprietors, Independent Contractors, and Freelance Professionals. Non-Occupying Co-Borrowers OK.
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
Access an easy home loan up to $4,000,000 based on stated income, with a minimum credit score of 740. Skip the hassle and stress of
Interest-Only Non-QM Jumbo Mortgage Product Interest Only – $2,000,000 Eligible Transactions: Purchase; Refinance – Rate/Term; Refinance – Cash Out Non-QM Mortgage Loans /”Interest-Only” Payment Option
Self Employed 1099 Only and Bank Statement Home Loans This loan program is for home buyers and homeowners that have a few late payments or
12-Month Bank Statement Program expands its reach with low-doc qualifications for self-employed borrowers including sole proprietors and independent contractors, requiring only a 12-month average of
The Non-Prime True No Doc Mortgage Program is an equity-driven, alternative documentation option tailored for borrowers with unconventional income or documentation (like the self-employed, fixed-income
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
Stated Income / No Doc This hard money asset-based stated income / No Doc loan program is designed for borrowers who need an asset-based lending
Portfolio Direct Lender is a direct lender with their own portfolio of loan products and programs, and they make their own Non-QM and Non-Prime manual
Commercial Mortgage Stated Income This Commercial Mortgage Loan Program Does Not Require Tax Returns or W-2’s Credit Score: 660 Middle Credit Score Loan Purpose: *
The P&L Only Mortgage Loan Program provides a streamlined, alternative documentation solution for borrowers with complex or unconventional income. Instead of traditional tax filings, applicants
Self-Employed Borrowers: Purchase 90% LTV, and Cash Out – 85% LTV ~ Self-employed borrowers can now take advantage of alternative income documentation with options to
Discover our comprehensive Bank Statement Non-Prime Loan Program, offering flexible solutions for diverse financial profiles on our Non-Prime mortgages.
No income or asset documentation required—no 4506-T or 4506-C forms needed. As of June 2025, tax returns are not required for self-employed or W-2 borrowers.
Federal Tax Transcripts Not Required Qualifying Criteria for this loan program are Asset Based. This program can also be used to supplement additional alt doc
Inherited Property Financing 80% Loan-to-Value (LTV) This loan program is for people that have lost a family member and would like to keep the home.
The 90% LTV – 12-Month Bank Statement Jumbo Loan caters to self-employed borrowers—especially sole proprietors—by allowing income qualification using either a year of bank statements
1099 Only mortgage for Independent Contractors with one or two year self-employment histor.
Portfolio Prime Loan Program Overview The Portfolio Prime Loan Program is designed for borrowers with strong financial profiles who may not qualify for conventional or
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
Our Stated Income / Verified Assets Mortgage Program offers flexible financing for self-employed borrowers with strong assets and non-traditional income. No tax returns required—just verified
DSCR stands for Debt Service Coverage Ratio loans, which allow real estate investors to qualify based on property cash flow rather than personal income.
Benefits
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
Super Jumbo Loan Amounts to $30,000,000 Non-Prime/ Manual Underwrite Super Jumbo Common Sense Manual Underwriting and in-house decisions. Final decision with second signature requirement. Income
Alt-Doc for Real-Estate Investors: Rent & business bank statements, lease income or Airbnb qualify. Flexible docs, no tax returns required.
Non-QM Stated Expense Ratio mortgage programs for self-employed borrowers using alternative income documentation. Bank statement lenders apply varying expense percentage rates to estimate business costs—key
Our Debt Service Coverage Ratio (DSCR) loan program is designed for real estate investors who want to qualify based on rental income rather than personal
The 12-Month Bank Statement Loan is designed for self-employed and 1099 borrowers who prefer simplified documentation. Instead of tax returns, approval is based on bank
Alternative Income Documentation: 12 Months Bank Statements Income verification is not required for the bank statement second mortgage loan program. Instead of traditional income documentation,
Real Estate Investors & DSCR Loans DSCR Loans give real estate investors to expand their portfolios by leveraging cash flow, offering flexibility and powerful financing
Our manual underwriting process for DSCR loans provides the flexibility to evaluate loans comprehensively, allowing for more credit approval decisions. LTV up to 85% on
If you’re self‑employed or have variable income, 3‑month bank statement loans in California can make qualifying easier. Instead of using tax returns or 1-year‑long averages,
Bank Statement Loan $4,000,000. Max LTV 85% Bank Statement Jumbo Mortgage: Borrow up to $4,000,000 with a maximum 90% LTV Maximum LTV/ Minimum Credit Score
Non-Prime – No Income and No Employment DTI up to 60% (back-end (dti) – total monthly payment sum divided by your total monthly payments (as
Bank Statement Employment Documentation: Verify self-employment with CPA letter or license. Qualify with 12–24 months statements, no tax returns required.
Asset depletion mortgage: Use liquid assets (cash, investments, retirement) as qualifying “income.” No W-2s or tax returns required—ideal for asset-rich borrowers.
Qualify for an Asset Depletion Mortgage up to $5 million without tax returns. This program allows self-employed and W-2 borrowers to use verified assets as
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
The Non-Qualified Mortgage Jumbo (55% DTI) program is designed for borrowers who may not have traditional documentation like tax returns, W-2s, or pay stubs. It
This 12-Month Bank Statement Jumbo Loan is tailored for self-employed borrowers and those with alternative income sources. Qualify for up to 90% income deposit utilization
Business Purpose Investor Loan Programs Loan programs for homebuyers and homeowners looking to refinance, rate/Term and Cash Out their Single-Family Residence, Condo or Multi-Unit including
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
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
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
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
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
Prime and Non-Prime Bank Statement Options | Self-Employed Borrowers Portfolio Direct Lender is a specialized direct lender offering an exclusive portfolio of loan products and
Non-Prime – One Day Out of a Short Sale or Foreclosure Loan This loan is for people that have recently either foreclosed or short sold
Nationwide Private Mortgage Lender Unique mortgage loan program designed for the Residential Real Estate Investor This is a Private Money lender that has funded thousands
1 Year Full Doc Program – Reduced Employment Reduced doc loan program is for both W2 Wage Earner and Self-Employed borrowers. 1099 Only loan programs
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+
3 Months Bank Statements Alt Doc Type Three Months Bank Statements (business, personal or both (multiple accounts OK) accounts if income deposit activity can be
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
California Only Non-Prime Available DSCR Available No title seasoning required for a Cash Out refinance Primary Residence to $2,000,000 Credit Score Matrix Credit Score Purchase
Hard Money Loan Program Guideline Overview Interest-Only Payment Term Available * Loan Amounts: * $250,000 – $7,500,000 Property Types: * SFR (Single Family Residence) *
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