Business Bank Statement Mortgage Program
Flexible Financing for Self-Employed Borrowers The Business Bank Statement Mortgage Program helps self-employed professionals and business owners qualify for mortgage financing without tax returns. Instead of W-2s, borrowers can use 12 to 24 months of business bank statements to verify income — a practical solution for those with complex or variable income streams. Underwriter Program […]
Super Jumbo Bank Statement Loan
Qualify for a Jumbo Bank Statement Loan up to $10 million with no tax returns required. Designed for self-employed and W-2 co-borrowers using 24 months of bank statements.
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 […]
Non-Prime Mortgage Program
Looking for flexible financing that goes beyond conventional loan requirements? This Non-Prime Loan Program is designed for borrowers who need tailored solutions—whether due to unique income documentation, past credit events, or higher loan amounts. Manual Underwrite available. Non-Prime Program Highlights * Loan Minimum Credit Score 580 * Loan Amounts: $100,000 up to $4,000,000 * Property […]
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)..
Alt Doc Fixed Term Second Mortgage
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 FICO score requirement of 640 or above, it provides an avenue for these borrowers to access financing with confidence No Income Documentation or Employment Verification Access loan amounts up to […]
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 […]
12-Month Bank Statement Jumbo Program
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 to qualify for your next Non-QM alt doc income documentation mortgage.
Bank Statement Jumbo Mortgage
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
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 […]
Super Jumbo Bank Statement Loan
Super Jumbo Bank Statement Loan for Self-Employed Borrowers The Super Jumbo Bank Statement Loan is designed for self-employed borrowers seeking high-balance financing with flexible income documentation. This lite documentation (Lite Doc) mortgage program supports purchase, rate-and-term refinance, and cash-out refinance transactions for qualifying borrowers. Program Overview and Loan Highlights Income Documentation – Self-Employed (Lite Doc […]
Hard Money Loan Asset Based Program
Stated Income / No Doc This hard money asset-based stated income / No Doc loan program is designed for borrowers who need an asset-based lending solution. This program does not require income documentation, making it ideal for those who may not qualify through traditional methods. Manual Underwriting We offer flexibility for borrowers facing financial challenges, […]
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.
3 Month Bank Statement Loan 90% LTV
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 or 2 months. Income combinations allowed — including Co-Borrower W-2s plus bank statements.
Bank Statement Loan Options for Self-Employed
Bank Statement Alt Doc Options Available – 2026 Updates We calculate your monthly income number (DTI purposes) before your loan is submitted to the underwriter based on either your previous 3 months, 6 months, 12- or 24- months bank statements. Saves time because it will be a clean loan, the way the underwriter likes it. […]
Six Alternative Income Verification Options
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 Documentation Options for the Self-Employed Borrower Tax Returns not required; Form 4506-T (now Form 4506-C) not required […]
Jumbo Non-QM – Bank Statements or 1099 Only
Jumbo Non-QM Bank Statement Loans offer self-employed and high-income borrowers a flexible way to qualify for jumbo mortgages without tax returns. Borrow up to $5 million using 12–24 months of personal or business bank statements to document income, perfect for complex or unconventional financial profiles.
Non-QM Bank Statement Loan Program
The Non-QM Bank Statement Loan Program offers flexible underwriting with a maximum Debt-to-Income (DTI) ratio of 55% for loans up to $2,000,000, with even higher loan amounts permissible at reduced DTIs (e.g., 50% DTI up to $2.5M, 43% up to $3M, and 38% up to $3.5M)
Non-QM Super Jumbo Mortgage Loans
Non-QM Alt Doc Bank Statement Loans to $10,000,000 Now you can use your 1099(s) to qualify as additional income/”ability to repay” (ATR) Non-QM loans are not subject to stringent guidelines and government regulation, rather, they fall under what is called an Ability to Repay Rule (ATR). We have a plethora of the best QM and […]
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.
Asset Qualifier
Asset Qualifier Portfolio Mortgage with asset-based income documentation. Ideal for borrowers using 1099s (sole proprietors) to demonstrate ability to repay. Allows DTI ratios up to 55%, stated business purpose loans, and subordinate financing. Flexible lending based on assets, not just income.
Bank Statement Income | Alt Doc
Bank Statement Employment Documentation: Verify self-employment with CPA letter or license. Qualify with 12–24 months statements, no tax returns required.
24 Months Bank Statements – Business or Personal/ Co-Mingle
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 approach is designed for flexibility and ease of qualification, making it simpler to access financing for purchases or refinances, including cash-out options.
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 […]
No Seasoning Requirement for Short Sale or Foreclosure
Non-Prime – One Day Out of a Short Sale or Foreclosure Loan This loan is for people that have recently either foreclosed or short sold their property. If you have a recent short sale or foreclosure, this loan option could help you get into a home. No seasoning requirement for these housing events Jumbo Loan […]
Asset Depletion Mortgage Program Up to 5 Million
Qualify for an Asset Depletion Mortgage up to $5 million without tax returns. This program allows self-employed and W-2 borrowers to use verified assets as income. Flexible credit requirements with LTV up to 80% and cash-out options up to $1.5 million.
Bank Statement Loan – 600 Credit Score
Bank Statement Loans for Self Employed Borrowers Whether you’re purchasing your first home or expanding your real estate portfolio, these loans adapt to your income profile and make your homeownership goals achievable. Bank statement loans are a game-changer for self-employed individuals seeking home financing. These loans allow the use of personal or business bank account […]
Jumbo Bank Statement Loan 5-Million
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.
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 […]