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Jumbo Bank Statement Program – 620 Credit Score Self-Employed including Sole Proprietor 1099 Independent Contractors as well as W2 Commission Professionals. Now you can also use your 1099(s) for to
Second Mortgage Bank Statement Loan A Second Mortgage Bank Statement Loan is an ideal solution for homeowners looking to access their home equity without traditional income verification. This program is
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
Foreign Nationals are buying properties now more than ever which means good & effective Buying Power for the foreign national and also more and more experience for us with the
Asset Depletion Income Program to 90% LTV Our asset depletion programs can also qualify your business as well as your personal bank (100% gross deposits) accounts on either a 6-month,
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
Alt-Doc for Real-Estate Investors: Rent & business bank statements, lease income or Airbnb qualify. Flexible docs, no tax returns required.
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.
A flexible 12-month bank statement loan program designed for self-employed borrowers and business owners, offering up to 85% LTV with alternative income documentation. W-2 co-borrowers allowed. Asset depletion, multiple financed properties, and recent mortgage lates OK.
12 month P&L statement along with 3 months bank statements to support P&L (10%-25% variance)..
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
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.
Bank Statement Mortgage – Wage Earner Jumbo and Super Jumbo Alt Doc Mortgage Purpose: Purchase, Rate/Term and Cash Out Lite Doc – W2 Wage Earner Wage Earner Income Documentation – Lite Doc * One (1) Year Employment Verification * Previous
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, lenders review just your most recent three months of bank statements to determine income. This
No Income verification super jumbo Loan up to $30 Million. Access high-value financing without income documentation or employment history. Ideal for self-employed, retirees, day traders, and those with unconventional income. If you have strong equity, this program is tailored for
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 bank statements, along with verifiable assets u to 85% LTV.
The 12-Month Bridge Loan Program provides short-term financing that allows borrowers to access the equity in their property prior to its sale. Loan amounts range from $500,000 to $30,000,000 with a maximum loan-to-value (LTV) of 75%, making it an ideal
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 and Asset Depletion Non-QM loan program uses bank statements In lieu of Traditional Income Documentation to determine a borrower’s Ability-to-Repay. Agency – government regulated. Non-QM is manually underwritten per investor guidelines as well as underwriter discretion. Non-QM Income
Subprime bank-statement loan: Alt-doc financing using bank statements for income. Higher-risk, flexible qualification even with credit blemishes.
Self-Employed Home Loan 600 Credit Score Self-employed borrowers with credit scores as low as 600 can access flexible home financing through our alt doc mortgage programs. These loans are tailored for business owners, freelancers, and entrepreneurs who may not qualify
Stated Income Jumbo Construction Loan up to $10 Million for home builders. Short-term financing for construction projects—no 4506-T or 4506-C forms required. Ideal for builders developing subject properties in eligible locations.
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 Service
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.
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 programs such as Bank Statements and/or 1099’s. Form 4506-T Not Required, and Form 4506-C Not
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
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
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