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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.
Our 24-Month Bank Statement Program offers a streamlined alternative: instead of relying on tax returns, you can qualify using up to two years of business or personal bank statements (or both), combined with a borrower-prepared profit & loss statement. This
Non-Qualified Mortgages and Non-QM Mortgage Brokers In an ever-evolving Non-Qualified mortgage market, We continue to
Flexible ITIN mortgage loans for non-U.S. citizens. Finance or refinance investment properties with up to
Super Jumbo Alt-Doc loans with a 620 credit score: get up to $2.5M for purchases,
Bank Statements Jumbo Mortgage with a 3-Month Program. Use either business or personal bank statements
The 90% LTV – 12-Month Bank Statement Jumbo Loan caters to self-employed borrowers—especially sole proprietors—by
Qualify for a mortgage using as little as 12 months of personal or business bank
Our Bank Statement Loan program provides self-employed borrowers with an alternative to traditional income documentation.
One-Year W-2 Jumbo: low-doc jumbo non-QM loans; 1-year W2 income, bank-statements, asset depletion. Up to
The 6-Month Bank Statement Mortgage 660 Credit Score program for borrowers with credit scores of
The Non-Qualified Mortgage Jumbo (55% DTI) program is for borrowers with a high debt ratio
Alt-Doc Mortgage Program: Flexible financing up to 90% LTV with loan amounts from $1.5M to
Jumbo Non-QM Bank Statement Loans offer self-employed and high-income borrowers a flexible way to qualify
Alt-Doc for Real-Estate Investors: Rent & business bank statements, lease income or Airbnb qualify. Flexible
Self-Employed Borrowers Our Investor Bank Statement Loan program caters to borrowers who thrive outside the
Non-Prime Bank Statement Options Self-Employed Borrowers: Portfolio Direct Lender is a direct lender with their
Our bank statement loan service provides flexible solutions. By analyzing gross monthly deposits and subtracting
Asset depletion mortgage: Use liquid assets (cash, investments, retirement) as qualifying “income.” No W-2s or
The Bank Statement Loans highlights a suite self-employed borrowers that cannot provide conventional income documentation
3-Month Bank Statement Loans in California help self-employed borrowers qualify using just three months of
Our alternative documentation mortgage program features a Lite Doc option for borrowers seeking simplified income
Bank Statement Loans for Self Employed Borrowers Whether you’re purchasing your first home or expanding
Lite Doc Jumbo and Super Jumbo Mortgage Purpose: Purchase, Rate/Term and Cash Out (6 Months
Super Jumbo Bank Financing up to $30 Million. Portfolio mortgage with flexible Lite Doc options,
Non-Prime – One Day Out of a Short Sale or Foreclosure Loan This loan is
Bank Statement Program – 2025 This Bank Statement mortgage is designed for self-employed borrowers. You
Jumbo Bank Statement Loan to $5,000,000. Alt-doc qualifying with 12–24 month. bank statements, up to
Prime and Non-Prime Bank Statement Options Portfolio Direct Lender is a specialized direct lender offering
Stated Income Jumbo Construction Loan up to $10 Million for home builders. Short-term financing for
True Stated Income 2025 | Form 4506-C Not Required An alternative to the “bank statement
Non-Prime Super Jumbo Loans up to $5,000,000 for self-employed borrowers. Use 12 or 24 months
12-Month Bank Statement Program expands its reach with low-doc qualifications for self-employed borrowers including sole
This 12-Month Bank Statement Jumbo Loan is tailored for self-employed borrowers and those with alternative
Non-QM Stated Expense Ratio mortgage programs for self-employed borrowers using alternative income documentation. Bank statement
The Non-QM Bank Statement Loan Program offers flexible underwriting with a maximum Debt-to-Income (DTI) ratio
Six Alternative Income Verification Options This 3 month, 6 month, 12 month, or 24 month
24-Month Business & Personal Commingled Bank Account Mortgage. A specialized program allowing the use of
Manual Underwrite Super Jumbo Mortgage Super Jumbo Non-Conventional Mortgage Loan Program | Flexibility | Freedom
Unique Non-QM Lenders and Loans We have many loan options, and we are poised to
Access your home equity with a Jumbo Second Mortgage. Flexible LTVs, alt-doc options, and no
Flexible income documentation options with as little as 3 months of personal or business bank
Non-Prime Alt Doc Self-Employed Program Non-Prime mortgages are not only for challenged credit borrowers, but
The Bank Statement Loans highlights a suite self-employed borrowers that cannot provide conventional income documentation
Our 24-Month Bank Statement Program offers a streamlined alternative: instead of relying on tax returns,
Maximum Loan Amount Investor Mortgage – $3,500,000 This investment property loan program provides up to
The Stated Income/Verified Assets (SIVA) Jumbo Loan Program, updated July 10, 2025, offers a high-net-worth,
Bank Statement Jumbo Mortgage with Interest-Only options. Choose from 2-month or 24-month bank statement programs
Qualify for an Asset Depletion Mortgage up to $5 million without tax returns. This program
1099 Only and Bank Statement Home Loans This loan program is for home buyers and