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Non-Occupant Co-Borrower Mortgage Programs

Non-occupant co-borrower income plays a crucial role in determining the primary borrower's qualifying debt ratio and DTI eligibility. Non-occupant co-borrowers allowed on refinance programs inluding cash out on second homes, and purchases with true blended ratios.

Niche Occupancy Loans - Guidelines and Highlights:

95% LTV Jumbo Unlimited Cash-Out to $2,500,000

Unconventional Mortgages and Loans High 95% LTV Cash Out Financing 5% Down Payment for your Jumbo purchase or 95% LTV Jumbo financing for Rate / Term refinance. Cash Out is also available on this program & may be used for any

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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

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Alternative Income Documentation

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Hard Money Lenders and Loans

Hard Money Niche Loans

Unconventional Mortgage Lending

Investment Property Loans

Cash Out Refinance

Second Mortgages

Construction Loans

Alt Doc Construction Loans

Latest Loan Programs