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 […]
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.
DSCR Loan Program | Business Purpose Loan for Real Estate Investors
Qualify with rental income, not tax returns. Explore our DSCR Business Purpose Loan to buy, refinance, or cash-out on investment properties.
One Year 1099-Only Income Reduced Doc Program
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.
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 […]
Closed End Bank Statement Second Mortgage
Closed-End Bank Statement Second Mortgage This program is a closed-end, fixed-rate second mortgage option designed for self-employed individuals and real estate investors, who may not have traditional income documentation. The lender facilitates financing by relying on bank statement documentation, offering a flexible, non-QM (non-Qualified Mortgage) solution. Key Features and Terms: Loan Amounts and LimitsBorrowers may […]
3 Month Bank Statement Loan – Prime Alternative Doc
12 month P&L statement along with 3 months bank statements to support P&L (10%-25% variance)..
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 […]
Bank Statement Loan 90% LTV – 620 Credit Score
Bank Statement Loan: 90% LTV with just a 620 credit score — up to $5M loan, 55% DTI, ideal for self-employed with complex deductions.
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 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. […]
DSCR No SSN
DSCR Mortgage – Social Security Number Not Required Our flexible options with DSCR, No Ratio makes it easy to purchase or refinance (including Cash Out) DSCR ≥.75 and No Ratio options Qualify with a minimum DSCR of .75 and loan amounts up to $4,000,000. Short-term rentals are eligible, and for multiple borrowers, the highest mid-score […]
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, […]
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 […]
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 […]
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.
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 […]
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.
Super Jumbo DSCR Investor Mortgage
Super Jumbo Investor Mortgage | DSCR. A specialized DSCR loan program for real estate investors with a minimum credit score of 620. Offers up to 85% LTV for purchase transactions, 80% for cash-out refinance, and loan amounts up to $15,000,000. Income verified through rental leases or appraisal form 1007.
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-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 […]
1 Month Business or Personal Bank Statements
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 Non-Qualified Mortgage solution is ideal for borrowers needing fast, flexible underwriting when traditional income documentation isn’t available.
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.
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 […]
Lite Doc 1099 Only Mortgage Loan Programs
1099 Only mortgage for Independent Contractors with one or two year self-employment histor.
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 […]
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 […]
After Repair Value Purchase Loan (ARV)
Partner with us for ARV purchase & rehab loans—finance both acquisition and renovations, leverage your property’s after-repair value, with flexible terms & fast draws.
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 […]
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.
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.
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 […]
Private Money 70% LTV
Soft Money Mortgage Program Exceptions made to 75% LTV for qualifying counties in the state of California. This means that the pricing is less than the traditional Hard Money type loan program. Alt Doc Income Documentation referred to as a No Doc or Business Purpose for Non-Owner Occupied and Business Purpose for Owner-Occupied for Purchase, […]
Stated Income/Verified Assets 680 Credit Score 4 Million
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 IRS Form 4506-C. Borrowers may qualify using verified assets.
Jumbo Hard Money to 3-Million 80% LTV
Borrow up to $3M with jumbo hard money loans at 80% LTV for fix & flip, bridge, construction & more. No 4506-T required, flexible income docs.
Super Jumbo Bank Statement Program
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 or business bank statements with loan amounts up to $5,000,000 and LTVs up to 90%.
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, […]
Investor Purchase Loan Program for Real Estate Investors
This investor purchase loan program provides flexible financing for borrowers acquiring residential investment properties, second homes, and select owner-occupied properties. Qualified borrowers may finance multiple properties, use lease-based documentation, and access jumbo loan amounts from $250,000 to $4,000,000. Borrowers may own an unlimited number of properties; however, no more than 10 properties may currently have […]
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 […]
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 […]