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Tag: North Carolina Alt Doc

A detailed list of Alt Doc mortgages for the state of North Carolina for purchase, refinance and cash out.

Non-QM 1099-Only Jumbo Mortgage

1099 Only Jumbo Home Loan 1099 mortgage financing for high-earning freelancers, independent contractors, gig workers, and self-employed business owners who may not qualify using traditional income documentation. Jumbo 1099 Loan Program for Sole Proprietors A flexible alternative income documentation mortgage program that allows qualified borrowers to use 1099 earnings rather than tax returns for income […]

Business Bank Statement Mortgage Program

Flexible Financing for Self-Employed Borrowers The Business Bank Statement Mortgage Program helps self-employed professionals and business owners qualify for mortgage financing without tax returns. Instead of W-2s, borrowers can use 12 to 24 months of business bank statements to verify income — a practical solution for those with complex or variable income streams. Underwriter Program […]

3 Month Jumbo Bank Statement Loan

Qualify using just 3 months of bank statements. Our Jumbo Bank Statement Loan offers up to 90% LTV and loan amounts to $5.5 million for self-employed borrowers.

DSCR Second Mortgage Loan Program

This DSCR Second Mortgage lets investors leverage property equity based on rental income—no tax returns or personal income verification required.

One Year 1099-Only Income Reduced Doc Program

Loan Category: Loans by Loan-to-Value

The 1099 Mortgage Program makes qualifying easier for self-employed borrowers. Only one year of 1099 income is required—no full tax returns—offering high loan amounts, flexible underwriting, and availability across 30+ states.

Super Jumbo Bank Statement Loan

Qualify for a Jumbo Bank Statement Loan up to $10 million with no tax returns required. Designed for self-employed and W-2 co-borrowers using 24 months of bank statements.

Investor Bank Statement Loan

Self-Employed Borrowers Our Investor Bank Statement Loan program caters to borrowers who thrive outside the conventional lending box. As a portfolio direct lender, we make our own Non-QM and Non-Prime manual underwriting decisions, offering flexibility and real-world judgment rather than rigid, automated approvals. Some portfolio lenders also operate as banks, lending both their own capital […]

Non-Prime Mortgage Program

Looking for flexible financing that goes beyond conventional loan requirements? This Non-Prime Loan Program is designed for borrowers who need tailored solutions—whether due to unique income documentation, past credit events, or higher loan amounts. Manual Underwrite available. Non-Prime Program Highlights * Loan Minimum Credit Score 580 * Loan Amounts: $100,000 up to $4,000,000 * Property […]

No Ratio Mortgage Program

No Ratio mortgage—no income disclosure required. A great fit for asset-rich or investment-savvy borrowers. No income disclosed or documented: * No DTI calculated * Designed for primary, second home, and investment properties * Available for purchases, rate/term, and cash-out refis * Minimum: $100,000 Loan Amounts: * Maximum: $3,000,000 (up to $1.5M cash-out allowed) Credit Score […]

Prime and 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 their own Non-QM and Non-Prime manual underwriting decisions. Some Portfolio lenders can also be a bank that lends their own money as well as a portfolio they contribute to or commit to a predetermined lender service […]

12 Month Bank Statement Program

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 statements, with financing up to $4 million and loan-to-value ratios as high as 90%. Flexible terms, multiple property types, and no mortgage insurance make this a strong solution for entrepreneurs and investors.

DSCR No Ratio No SSN#

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 income documentation. Whether you’re a first-time investor or looking to expand your portfolio, this program provides a flexible path to financing. Key Benefits of a DSCR Loan Borrowers can secure […]

Alt-Doc Jumbo – 80% LTV $5,000,000

California Only Non-Prime Available DSCR Available No title seasoning required for a Cash Out refinance Eligible Alt Doc Income Documentation: * Bank Statements – 12 Months * Bank Statements – 24 Months * Asset Depletion Primary Residence to $2,000,000 Credit Score Matrix Credit Score Purchase Refinance R/T Cash Out 720 80% 80% 75% 700 75% […]

Bank Statement Loan No Tax Returns

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 million using personal or business bank statements instead of tax returns. -.3 Alt Doc Guideline […]

DSCR – 4 Units

Real Estate Investors & DSCR Loans DSCR Loans give real estate investors to expand their portfolios by leveraging cash flow, offering flexibility and powerful financing options. This program not only supports your clients but also builds your loyal and growing customer base. DSCR Program Feature Highlights: * Jumbo Loan Amounts up to $4,500,000 * Investor […]

12-Month Bank Statement Jumbo Program

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 to qualify for your next Non-QM alt doc income documentation mortgage.

P&L Only Loan 660 FICO

Profit and Loss (P&L) Loan Programs Mortgage qualification using a 12-month P&L statement, making it a flexible option for borrowers who don’t fit traditional mortgage plans. Ideal for expanding your client base in Non-QM lending. P&L Only Program Highlights * $4,000,000 Maximum Loan * 85% LTV Purchase / Rate/Term Refinance * 80% LTV Cash Out […]

DSCR 85% LTV to $4,000,000

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) with interest-only options or fixed-rate products. The program allows for loan-to-value (LTV) ratios of up to 80%, with loan amounts ranging from $200,000 to $4,000,000. It supports various property types, […]

Super Jumbo Investor Mortgage DSCR

Unconventional Real Estate Investor (DSCR) Loan Program Our Debt Service Coverage Ratio (DSCR) loan program is designed for real estate investors seeking aggressive financing with preferential terms. With a minimum credit score requirement of just 620, qualified borrowers can secure up to 85% LTV on purchase transactions and up to 80% LTV for cash-out refinances. […]

No Ratio DSCR Loan

The DSCR mortgage loan program is a powerful tool for investors to achieve their short term and long term investment objectives. With credit score requirements starting as low as 600 and a maximum loan-to-value (LTV) of 85%, this program offers flexibility and accessibility. Loans range from $200,000 to $3,500,000. Investor Income Documentation Does Not Apply […]

DSCR 85% LTV

DSCR Loan Program 85% LTV 11 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 purchase loans and rate/term refinances, accommodating a wider range of borrowers and financial situations. Investment Property Business Purpose Loan 22 This DSCR loan program […]

Bank Statement Jumbo Mortgage

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

Bank Statement Loan Pre-Underwrite

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 documentation. This ensures the numbers align upfront, saving you time and effort. Bank Statement Mortgage Service Once your Loan Officer reviews your bank statements, they may have questions about deposits, […]

Second Home 85% LTV – 660 Credit Score

Prime and Non-Prime Bank Statement Options Portfolio Direct Lender is a specialized direct lender offering an exclusive portfolio of loan products and programs. They make independent underwriting decisions for Non-QM and Non-Prime loans, ensuring a tailored lending experience Credit Leniency and Underwriter Discretion Solutions This loan program works well for borrower’s that fall outside the […]

3-Month Bank Statement Non-Prime Mortgage

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 identified and makes sense. If there’s income deposit activity, provide statements from that account. Include Asset Based Income Doc Option. Non-Prime 3-Month Bank Statement Mortgage Loan Non-Prime Alt Doc loans […]

Jumbo Mortgage Alt Doc

Jumbo Bank Statement Program – 640 Credit Score Self-Employed including 1099 Independent Contractors as well as W2 Commission Professionals. 3 Bank Statement mortgage options that provide flexibility for business owners that utilize both their personal account and Business account for business expenses, income deposits, transfer activity. In addition, this program also offers a P&L Only […]

Jumbo Bank Statement Alt Doc – 640 FICO

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 their own Non-QM and Non-Prime manual underwriting decisions. Some Portfolio lenders can also lend their own money as well as a portfolio they contribute to or commit to a pre-determined […]

1099 Only Jumbo Loan – 640 Credit Score

Sole Proprietor Super Jumbo Loan Program – $7,500,000 This particular 1099 Only income documentation mortgage loan can accommodate Sole Proprietors, Independent Contractors, and Freelance Professionals with a high DTI by utilizing a Non-Occupying Co-Borrowers. Also regarding a high DTI on Cash Out Refinance loans, you have the option of paying off debt to reduce your […]

P&L Only – 640 Credit Score

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 can use a 12-month profit and loss (P&L) statement—prepared by a CPA, CTEC, attorney, or EA—to verify income. The program supports up to 85% LTV for purchases and rate-and-term refinances, and 80% for cash-out refinances, with flexible terms for credit scores of 640 and above, including jumbo amounts up to $4 million.

Investor DSCR Mortgage Program

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 or DSCR (Debt Service Coverage Ratio) alternatives—ideal for investors seeking streamlined qualification using property cash flow instead of traditional income.

Super Jumbo DSCR $4,500,000

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 using the higher of market rent or lease-stated rental income.

Second Mortgage Alt Doc 90% CLTV

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, it uses alternative methods like bank statements to assess a borrower’s financial ability, making it a flexible option for those who may not meet standard income verification requirements. Jumbo Bank […]

DSCR Super Jumbo to $5,000,000 Cash Out

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 qualifying simple: The only income considered to determine qualification is the rental income from the subject property vs. the PITIA payment. No DTI is developed. DSCR Cash Out Refinance The […]

DSCR Loans

DSCR stands for Debt Service Coverage Ratio loans, which allow real estate investors to qualify based on property cash flow rather than personal income making them Ideal for self-employed investors. DSCR loans are Business Purpose loans and therefor are not subject to federal regulation. See below for more details on DSCR and other investor loan programs. Questions? Speak to a Loan Officer (800) 718-8906.

Super Jumbo Bank Statement Loan

Super Jumbo Bank Statement Loan for Self-Employed Borrowers The Super Jumbo Bank Statement Loan is designed for self-employed borrowers seeking high-balance financing with flexible income documentation. This lite documentation (Lite Doc) mortgage program supports purchase, rate-and-term refinance, and cash-out refinance transactions for qualifying borrowers. Program Overview and Loan Highlights Income Documentation – Self-Employed (Lite Doc […]

Super Jumbo DSCR to $4,000,000

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 is just another benefit of this easy to close loan product specifically for real estate investors to maximize property cash flow. Business Entity Vesting – OK DSCR is considered a […]

Hard Money Loan Asset Based Program

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 solution. This program does not require income documentation, making it ideal for those who may not qualify through traditional methods. Manual Underwriting We offer flexibility for borrowers facing financial challenges, […]

Stand-Alone Second Mortgage 640 FICO

Access up to $750,000 with a Stand-Alone Second Mortgage—no need to refinance. Requires 680+ credit score, supports primary and second homes.

3 Month Bank Statement Program

3-Month Bank Statement Loans in California help self-employed borrowers qualify using just three months of ”income deposits”, no tax returns or W-2s required. Ideal for strong recent income, jumbo financing.

3 Month Bank Statement Loan 90% LTV

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-, 12-, and 24-month options. Borrowers with credit scores above 700 may qualify with just 1 or 2 months. Income combinations allowed — including Co-Borrower W-2s plus bank statements.

Jumbo Non-QM – Bank Statements or 1099 Only

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 million using 12–24 months of personal or business bank statements to document income, perfect for complex or unconventional financial profiles.

California Hard Money Jumbo – 80% LTV

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 pricing and potential underwriting exceptions.

Non-QM Super Jumbo Alt Doc

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.

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 ratio applies, and credit score, LTV, and reserves are key factors.

Non-QM Super Jumbo Mortgage Loans

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 not subject to stringent guidelines and government regulation, rather, they fall under what is called an Ability to Repay Rule (ATR). We have a plethora of the best QM and […]

Non-Prime True No Doc Mortgage Program

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 individuals, or those with past credit challenges). No income, asset, or employment verification is required—Debt-to-Income (DTI) isn’t considered. With a minimum credit score of 680, it supports purchase, rate-and-term refinance, and cash-out refinance, offering up to 80% LTV for purchase and rate-term, and 75% for cash-out. Available for various property types (owner-occupied, vacation, non-owner occupied), it includes ARM and fixed-rate terms, interest-only options, generous jumbo financing up to $20 million, and flexible guidelines for gift funds and co-borrowers.

One Year Tax Return Income Program

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 are also available. All Lite Doc and Reduced Doc Loans Require Previous one year Form 4506-C. Income Documentation – One Year Lite Doc | Full Doc ~ * One Year […]

One Month Bank Statement Loan Program

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 an alternative to traditional income documentation. A Non-QM option for streamlined approval.

Non-QM | Non-Prime Loan Programs

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.

3 Month Bank Statement Loan

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 for self-employed borrowers seeking a streamlined qualification process with flexible terms.

Asset Qualifier

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 55%, stated business purpose loans, and subordinate financing. Flexible lending based on assets, not just income.

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 rates to estimate business costs—key for qualifying without traditional income proof. Flexible underwriting for self-employed home loans.

Fix and Flip Program

Fix & Flip Flexible Capital Program: At Broker Mortgages, our Fix & Flip Program gives real estate investors the financial power to acquire, renovate, and resell properties quickly — without the long wait times of traditional lenders. Whether you’re a seasoned house flipper or exploring your first rehab project, our tailored financing solutions help you […]

Debt Service Coverage Ratio 620 FICO

Business Purpose Investor Loan Program Loan programs for homebuyers and homeowners looking to refinance, rate/Term and Cash Out their Single-Family Residence, Condo or Multi-Unit including Investors. DSCR Investor Loans support both purchase and cash-out refinancing options. Qualify for up to $10 million with an 85% LTV, a minimum DSCR of 0.85, and a 620 middle […]

Super Jumbo Investor – 30 million

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 Documentation Not Required Property Types: * Single Family Residence * 2 Units * 1-4 units Highlights: * Interest Only Available Including Cash Out Refinance * Unlimited Cash Out * Bridge […]

Bank Statement Income | Alt Doc

Bank Statement Employment Documentation: Verify self-employment with CPA letter or license. Qualify with 12–24 months statements, no tax returns required.

Non-QM Lenders and Loans

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 revenue calculated from business or and (industry specific) personal bank statements Guideline Features: * Maximum loan amount $15,000,000 * 640 FICO Score * Cash-out to 70% LTV * Maximum DTI […]

12 Month Bridge Loan

12-Month Bridge Loan: short-term loan up to $30M, up to 75% LTV. Tap your property equity fast before sale. Credit score min 620.

Non-Prime True No Doc Loan Program

Non-Prime – No Income and No Employment If you’re seeking the right Non-Prime No-Income/No-Employment program requiring minimal documentation.With no verification of income or employment required, this option is well-suited for investors, and borrowers with or without complex financial profiles who may not fit traditional underwriting standards. The structure focuses on equity, and property stability rather […]

6 Month Bank Statement Mortgage Programs

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 those demonstrating substantial income growth in the recent six months. This Non-QM mortgage option provides flexibility for self-employed individuals and business owners who may not qualify through traditional income verification. […]

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 Employment documentation and is qualified based on Credit Score/FICO and Cash-Flow of Subject Property. A […]

Reduced Doc – One 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 and does require Form 4506-C (formerly Form 4506-T) and one year of tax returns.

DSCR No Ratio Jumbo Mortgage

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 limits. Program guidelines are designed for flexibility, with no income verification and qualification based on property cash flow.

No Ratio Investor Loan Jumbo

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 score. No income documentation, employment verification, or 4506-C form required. This program is ideal for self-employed borrowers seeking a hassle-free approval process without traditional income verification. Jumbo Loan Amount to […]

Stand-Alone Second Mortgage

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 income documentation.

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 of tax returns along with a current profit and loss statement supported by a 4506-C form. This streamlined option is well-suited for those looking for an easier path to mortgage approval.

24 Months Commingle Bank Accounts

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 whose bank statements have previously hindered approval, offering flexible financing solutions.

One Year Tax Returns to 90% LTV

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.

Asset Depletion Program

Asset Depletion Program: turn your assets like stocks or investments into income, boost your borrowing power without pay stubs.

Second Mortgage Bank Statement Loan

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 business bank statements instead of tax returns, this program provides a flexible solution for self-employed borrowers. Loan amounts and CLTV options extend up to 85%, depending on credit profile.

Bank Statement Loan to $5,000,000

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.

Bank Statements/Asset Depletion to 5-Million

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 purchase at 90% LTV and cash out at 85% LTV. By using your 1099(s) as a sole proprietor, you can qualify with additional income, demonstrating your ability to repay. Super […]

Bank Statement Mortgage – Wage Earner

Lite Doc Jumbo and Super Jumbo Mortgage Purpose: Purchase, Rate/Term and Cash Out (6 Months Purchase/Title Seasoning for “Current Market Value”) Wage earners may qualify using a streamlined income documentation option that verifies current employment and earnings without a two-year income history. This Lite Doc approach is designed for borrowers with stable W-2 employment and […]

Second Mortgage Bank Statement Jumbo Loan

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% CLTV for $350,000 and 75% CLTV for higher amounts. Ideal for self-employed borrowers using bank statements for qualification.

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 Mortgage Program Jumbo Loan The Income is stated and is not calculated (No Ratio) from […]

Non-QM Interest-Only Jumbo Program

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 `Single Family Residence – Owner-Occupied /Primary Residence Credit Score /LTV /Loan Amount: * 720 – 90% – $1,500,000 * 680 – 80% – $2,000,000 * 740 – 90% – $2,000,000 […]

Non-Qualified Mortgage Jumbo 55% DTI

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 offers flexible income verification via 1099-only, bank statement, asset depletion, P&L-only (unaudited), Alt-Doc (24 months), Lite-Doc (12 months), or Reduced-Doc employment packages—depending on documentation availability. Borrowers may qualify with up to 90% LTV for purchase, 85% for rate/term refinance, and 80% for cash-out refinance, with a generous 55% debt-to-income limit, extended amortization options, and interest-only payment flexibility. Minimum credit score typically starts around 660 middle score, and major credit events like bankruptcy, foreclosure, or short sale must meet seasoning requirements.

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, 10% down for purchases.

Bank Statements – Jumbo Mortgage – Interest Only

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 homes, and primary residences. Flexible qualification for self-employed borrowers.

Prime and Non-Prime Bank Statement Options

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 and Non-Prime manual underwriting decisions. Moreover, portfolio lenders have the capability to lend their own funds alongside a portfolio they either contribute to or commit to for a predetermined lending […]

90% LTV – $1,500,000 – 4 Months Reserves

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 solution for millions of self-employed Americans, making homeownership more accessible for those who do not or cannot use their traditional income documentation. Full Income Documentation Alternative – Bank Statements With […]

Non-Prime Mortgage 80% LTV 600 Credit Score

Niche Loan Non-Prime Mortgage Our non-prime jumbo mortgage loan program offers flexible financing options, allowing borrowers to qualify using either 12 or 24 months of bank statements. Bank Statement Program for Self-Employed, 24 months This program is designed to meet the needs of those who may not fit full income documentation criteria while seeking substantial […]

90% LTV – 12 Months Personal Bank Statement

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 or one year of 1099 forms, with no requirement for tax transcripts from Form 4506-C. The program offers up to 90% loan-to-value for rate-and-term refinances and purchase loans (10% down), and up to 80% for cash-out refinances—with a maximum of $1.5 million cash-in-hand and super-jumbo amounts up to $4 million available. Borrowers may utilize personal deposit funds at 100% (0% expense factor), and the program features flexible underwriting across various property types and occupancies, credit score thresholds, and seasoning requirements for life-event credit issues

Alternative Income Documentation Jumbo Program

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 months for primary residence, plus 3 months per additional property owned.

Bank Statement Super Jumbo Loan

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 using personal or business bank statements, including commingled accounts is OK to verify income. Super Jumbo options are available, allowing high loan amounts without traditional income documentation. These loans suit […]

Investor Loan – No Doc

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 of loans nationwide, and makes all decisions in-house with over $200,000,000 to lend. Over 25 years of real estate investing experience; they know how to underwrite a loan. They also […]

Non-Prime Bank Statement Loan 620 Credit Score

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 or without reduced-doc or alt-doc options like 1099 income—in lieu of standard tax returns. Designed for applicants with a minimum 620 credit score, the program supports purchase or refinance loans up to $2,500,000 at 80% LTV and enables cash-out refinances up to $1,500,000 in cash-in-hand.

600 Credit Score Jumbo Bank Statement Mortgage

1099 Only and Bank Statement Home Loans This loan program is for home buyers and homeowners that have a few late payments or recently experienced a housing event such as bankruptcy, foreclosure, or short sale. Why Non-Prime? Non-Prime mortgages are not only for challenged credit borrowers, but also good and excellent credit borrowers that require […]

Inherited Property Loan Program

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. Purpose: Purchase, Refinance, and Cash Out Refinance Underwriting Notes: Credit: Deferred Maintenance – OK Debt Consolidation – OK Debt-to-Income (DTI): 50% Maximum Future Rental Income Considered on a Case-by-Case basis, […]

Second Mortgage Alt Doc $350,000

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 with alt-doc income options. Keep your first mortgage while accessing home equity.

Asset Qualifier Jumbo Loan

Federal Tax Transcripts Not Required Loan Qualifying Criteria for this loan program are Asset Based. This program can also be used to supplement additional alt doc programs such as Bank Statements and/or 1099’s. Form 4506-T Not Required, and Form 4506-C Not Required This loan program is specifically designed for moderate to high-net-worth borrowers. Qualifying calculation […]

Jumbo Investor Loan 90% LTV 720 Credit Score

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 up to $1,500,000. Available for investment properties, non-owner-occupied homes, and second homes, the program allows real estate investors to own up to 20 financed properties. Income Documentation N/A Minimum Credit […]

No Seasoning Requirement for Short Sale or Foreclosure

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 their property. If you have a recent short sale or foreclosure, this loan option could help you get into a home. No seasoning requirement for these housing events Jumbo Loan […]

Asset Depletion Mortgage Program Up to 5 Million

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 income. Flexible credit requirements with LTV up to 80% and cash-out options up to $1.5 million.

Stated Income Verified Assets to 75% LTV Owner Occupied

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 assets and stated income. Available for primary residence financing with a minimum 660 credit score.

Stated Income Verified Assets Owner-Occupied Jumbo

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 90% LTV up to $3.5 million, cash-out up to 90% LTV to $2 million and 85% LTV to $4 million.

Commercial Mortgage Stated Income Super Jumbo

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 Amount: Loan to Value: Eligible Property Types: Available Terms: Available in the Following States: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Kansas, Kentucky, Louisiana, Maine, Maryland, […]

Asset Depletion Super Jumbo Mortgage

Asset depletion mortgage: Use liquid assets (cash, investments, retirement) as qualifying “income.” No W-2s or tax returns required—ideal for asset-rich borrowers.

No Income No Asset Verification

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. These portfolio programs support Purchase, Refinance, and Cash-Out Refinance scenarios, offering a simplified path to funding.

Jumbo Bank Statement Loan 5-Million

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 gross deposits instead of traditional income documentation.

Home Equity Line of Credit – HELOC

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 jumbo loans. This program provides flexible underwriting, alternative income documentation options, and higher loan limits. Key Features: Minimum FICO Score: 620 (Alternative Documentation Allowed) Loan Amounts: Up to $3.5 million […]

Super Jumbo Bank Financing to 30 Million

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 high-net-worth borrowers seeking large loan amounts with alternative income verification.

Stated Income Jumbo – 720 Credit Score

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 an executed Form 4506-C – it’s not needed for your application, approval or at any time throughout to close. Access substantial financing without the paperwork fuss and frustration, delays, improper […]

Investor Mortgage Program

Flexible financing for real estate investors, with DSCR options, jumbo limits, and competitive terms to grow all of your refinance property portfolios.

2nd Mortgage Program to $350,000

Jumbo Second Mortgage | Alt Doc + Minimum Mortgage Credit Score: 680 Available Terms – 15- or 20 Year Fixed Rate Second Mortgages. Available for Refinance or Purchase HELOCs available on Refinances (except Texas) Loan Amounts: Maximum Loan Amount $350,000 Minimum Loan Amount $200,000 $100,000 Minimum Loan Amount on HELOCs Stand Alone or Combo (1st […]