A Wealth of Information and Service - Contact a Loan Officer (800) 718-8906

Alternative Home Loans

An alternative home loan, often referred to as a non-QM (Non-Qualified Mortgage) loan, provides financing options outside the traditional mortgage standards. These loans cater to borrowers with unique financial circumstances, such as self-employed individuals, those with non-traditional income sources, or individuals with less-than-perfect credit histories. Unlike conventional mortgages, non-QM loans may accept alternative income documentation and offer flexibility in borrower qualifications. While they provide opportunities for those who don’t meet traditional lending criteria, non-QM loans typically come with higher interest rates and costs, requiring borrowers to carefully consider their financial situation before opting for this alternative mortgage product.

Contact a Loan Officer

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

Read More »

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.

Read More »

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.

Read More »

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.

Read More »

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

Read More »

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

Read More »

Business Purpose Mortgages

Unconventional Business Purpose Mortgage Loan A Business Purpose Loan is a unique mortgage program designed for primary residences. It is a type of stated income

Read More »

DSCR .75% 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

Read More »

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

Read More »

Asset Qualifier Jumbo Loan

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

Read More »

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

Read More »

3 Month Bank Statement Program

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,

Read More »

True No Doc Home Loan

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,

Read More »

Contact a Loan Officer

Non-Prime Mortgages

Non-Prime Wholesale Lenders

Non-Prime Lending

Non-Prime Bank Statement Mortgages

Non-Prime 1099 Only Loans

Non-Prime Loan Programs

Non-Prime Loan Programs

Credit Score Tools