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Tag description | portfolio-loans
1099 Only Lite Doc Bank Statement Loan – Qualify with just 1 year of income and employment verification. Ideal for self-employed borrowers with a 660+ credit score. Get up to 90% LTV on loans up to $1,500,000. Includes asset utilization and does require Form 4506-C (formerly Form 4506-T) and one year of tax returns.
Non-Qualified Mortgage Lender Serving California Non-QM lender offering Non-QM loan programs to California self-employed borrowers. California business owners need flexible non-qualified underwriter guidelines with favorable pricing, reasonable terms, and advantageous approval conditions (Conditional Loan Approval | CLA)) to increase their chances of getting approved for a reasonable mortgage without being required to produce documentation that will almost always eliminate their chances for success in obtaining an effective income documentation self-employed home loan approval. IRS Form 4506-T and 4506-C Not
6-Month Bank Statement Loan – 680 Credit Score This Six-Month Bank Statement Loan program caters to borrowers with a 680 credit score or higher, designed specifically for those demonstrating substantial income growth in the recent six months. This Non-QM mortgage option provides flexibility for self-employed individuals and business owners who may not qualify through traditional income verification. Our Right Mortgage is Your Ideal Approval This Bank Statement Loan program is ideal for borrowers that have experienced significant revenue growth in the
Bank Statement Jumbo Mortgage with Interest-Only options. Choose from 2-month or 24-month bank statement programs for purchase, rate/term refinance, or cash-out. Available for owner-occupied, second homes, and primary residences. Flexible qualification for self-employed borrowers.
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 Doc and Reduced Doc Loans Require Previous one year Form 4506-C. Income Documentation – One Year Lite Doc | Full Doc ~ * One Year business and personal tax return with all schedules * Profit and Loss Statement or balance sheet starting month after previous year tax return (file
Maximum Loan Amount Investor Mortgage – $3,500,000 This investment property loan program provides up to $3,000,000 for purchases and rate-term refinances, with cash-out refinancing available up to $1,500,000. Available for investment properties, non-owner-occupied homes, and second homes, the program allows real estate investors to own up to 20 financed properties. Income Documentation N/A Minimum Credit Score/ Maximum LTV: * 700 Credit Score – 90% LTV * 680 Credit Score – 85% LTV * 660 Credit Score – 80% LTV
Six Alternative Income Verification Options This 3 month, 6 month, 12 month, or 24 month bank statement 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. Alternative Non-QM Income Documentation Options for the Self-Employed Borrower Self-Employed Tax Returns not required; Form 4506-T not required. Form 4506-C is also not required for Self-Employed borrowers. Form 4506-C
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.
Interest-Only Non-QM Jumbo Mortgage Product Interest Only – $2,000,000 Eligible Transactions: Purchase; Refinance – Rate/Term; Refinance – Cash Out Non-QM Mortgage Loans /”Interest-Only” Payment Option `Single Family Residence – Owner-Occupied /Primary Residence Credit Score /LTV /Loan Amount: * 720 – 90% – $1,500,000 * 680 – 80% – $2,000,000 * 740 – 90% – $2,000,000 * 720 – 70% – $2,500,000 * 720 – 70% – $3,000,000 2-4 Units: * 700 – 75% – $2,000,000 * 720 – 70%
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 (DTI) isn’t considered. With a minimum credit score of 680, it supports purchase, rate-and-term refinance, and cash-out refinance, offering up to 80% LTV for purchase and rate-term, and 75% for cash-out. Available for various property types (owner-occupied, vacation, non-owner
Subprime bank-statement loan: Alt-doc financing using bank statements for income. Higher-risk, flexible qualification even with credit blemishes.
Self-Employed Borrowers: Purchase 90% LTV, and Cash Out – 85% LTV ~ Self-employed borrowers can now take advantage of alternative income documentation with options to purchase at 90% LTV and cash out at 85% LTV. By using your 1099(s) as a sole proprietor, you can qualify with additional income, demonstrating your ability to repay. Super Jumbo Loan Amounts * $15,000,000 Maximum * Unlimited Cash Out Credit Scores (middle mortgage score) and LTV’s * 620 Score – 75% LTV –
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.
Business Purpose Investor Loan Programs Loan programs for homebuyers and homeowners looking to refinance, rate/Term and Cash Out their Single-Family Residence, Condo or Multi-Unit including Investors. DSCR Investor Loans support both purchase and cash-out refinancing options. Qualify for up to $10 million with an 85% LTV, a minimum DSCR of 0.85, and a 620 middle credit score. Ideal for real estate investors. Debt Service Coverage Ratio – Jumbo Loan Alt Doc – Bank Statement Loans Available Unconventional DTI –
Super Jumbo Real Estate Investor Loan Program to $5,000,000 This investor program was created for seasoned professional Business Purpose Real Estate Investors for most property types without being required to reveal any sort of conventional income documentation or Verification of Employment documentation and is qualified based on Credit Score/FICO and Cash-Flow of Subject Property. A key qualification for this type of mortgage is the borrower must own their current primary residence. Exceptions can be made to this guideline if