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A detailed list of Alt Doc mortgages for the state of Pennsylvania for purchase, refinance and cash out.
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
The 6-Month Bank Statement Mortgage 660 Credit Score program for borrowers with credit scores of 660 to qualify using six months of personal or business
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
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
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
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
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)
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
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
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
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
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
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
The One-Month Alt-Doc Bank Statement Jumbo program offered self-employed borrowers by allowing approval with only the most recent month’s bank statement—no tax returns required. This
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
The Stated Income/Verified Assets (SIVA) Jumbo Loan Program, updated July 10, 2025, offers a high-net-worth, asset-based pathway to home financing without requiring tax returns or
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.
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
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
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
Alternative Income Second Mortgage Non-QM lender offers a closed-end, fixed-rate structure tailored for the needs of self-employed individuals and real estate investors. With a minimum
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
Super Jumbo Investor Mortgage | DSCR. A specialized DSCR loan program for real estate investors with a minimum credit score of 620. Offers up to
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
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
Six Alternative Income Verification Options This 3 month, 6 month, 12 month, or 24 month bank statement Non-QM loan program uses bank statements in lieu
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,
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.
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
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
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
Real Estate Investor Loan: Up to 12 Financed Properties OK Borrower can own unlimited properties, but only 10 can have a mortgage lien 680 Middle
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
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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