06/25/2014
11/15/2025
Self-Employed Mortgage One Month Bank Statement Option One-Month Bank Statement Loan for Self-Employed: A flexible mortgage solution for purchases, rate/term refinances, and cash-out options. Ideal for self-employed borrowers, this program requires only one month of bank statements for qualification. Non-Qualified
Flexible financing for real estate investors, with DSCR options, jumbo limits, and competitive terms to grow all of your refinance property portfolios.
Subprime bank-statement loan: Alt-doc financing using bank statements for income. Higher-risk, flexible qualification even with credit blemishes.
1099 Only Lite Doc Income Documentation Bank Statement Loan | 660 Credit Score – 90% LTV to $1,500,000 * 1-Year Income and Employment Verification Documentation, Asset Utilization * Form 4506-T and 4506-C is Required – One Year * Tax Return
3-Month Bank Statement Loan. Use either 3 months of business or personal bank statements as an alternative to the 6-month, 12-month, and 24-month programs. Ideal for self-employed borrowers seeking a streamlined qualification process with flexible terms.
Super Jumbo Investor Mortgage | DSCR. A specialized DSCR loan program for real estate investors with a minimum credit score of 620. Offers up to 85% LTV for purchase transactions, 80% for cash-out refinance, and loan amounts up to $15,000,000.
Non-Prime Jumbo Program Loan Amount – $3,500,000 600 Credit Score Jumbo Mortgage Program, designed to provide accessible financing solutions for discerning investors. With loan amounts up to $3,500,000, our Alt Doc Super Jumbo program offers competitive terms. Alt Doc Super
Self Employed 1099 Only and Bank Statement Home Loans This loan program is for home buyers and homeowners that have a few late payments or recently experienced a housing event such as bankruptcy, foreclosure, or short sale. Why Non-Prime? Non-Prime
Self-Employed Borrower Income Documentation Portfolio direct lender functions as a direct lender boasting its unique portfolio loan of products and programs. They autonomously determine Non-QM and Non-Prime manual underwriting decisions. Moreover, portfolio lenders have the capability to lend their own
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
Access your home equity with a Jumbo Second Mortgage. Flexible LTVs, alt-doc options, and no need to refinance. Jumbo Second Mortgage loans up to $500,000 with alt-doc income options. Keep your first mortgage while accessing home equity.
Non-Prime Super Jumbo Loans up to $5,000,000 for self-employed borrowers. Use 12 or 24 months of business bank statements to demonstrate your ability to repay, eliminating the need for traditional income verification. Ideal for high-net-worth individuals seeking flexible financing.
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 purpose including reserve requirements. 95%
This program enables primary owner-occupied loans from $500,000 to $5,000,000 for purchase, refinance, cash-out, construction, bridge, or blanket financing.
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.
High-LTV condo jumbo financing up to 90% LTV and $2.5M, offering flexible credit options for purchases and cash-out refinances on a wide range of condo types.
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.
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 Calculation
Real Estate Investor Loan: Up to 12 Financed Properties OK Borrower can own unlimited properties, but only 10 can have a mortgage lien 680 Middle Credit Score | 85% Maximum LTV * No Ratio Income Documentation * Leases (or appraisal
Loan Purpose:PurchaseRate and Term RefinanceCash-out refinanceIRS 1031 Exchange for any borrower. Tax and insurance impounds required 12 Month Mortgage CreditSubject property and the borrower’s primary residence. The rest of the properties on the schedule of real estate will be checked
Nationwide Private Mortgage Lender Unique mortgage loan program designed for the Residential Real Estate Investor This is a Private Money lender that has funded thousands of loans nationwide, and makes all decisions in-house with over $200,000,000 to lend. Over 25
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.
The 90% LTV – 12-Month Bank Statement Jumbo Loan caters to self-employed borrowers—especially sole proprietors—by allowing income qualification using either a year of bank statements or one year of 1099 forms, with no requirement for tax transcripts from Form 4506-C.
One-year tax-return alt-doc loan with up to 90% LTV; ideal for self-employed or recent income increase. Primary, second, & investment properties eligible.
Purchase or Cash Out Refinance options available with a minimum 620 credit score. The Real Estate Investor Program provides flexible income documentation, including Full Doc or DSCR (Debt Service Coverage Ratio) alternatives—ideal for investors seeking streamlined qualification using property cash
Portfolio Direct Lender is a direct lender with their own portfolio of loan products and programs, and they make their own Non-QM and Non-Prime manual underwriting decisions. Some Portfolio lenders can also be a bank that lends their own money
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
Maximum Loan Amount: $4,000,000 Cash Out: $1,500,000 Unique Non-QM Lenders and Loans We have many loan options, and we are poised to increase the buying power of the small to medium size business owner by utilizing industry tools, built into
The Stated Income/Verified Assets (SIVA) Jumbo Loan Program, updated July 10, 2025, offers a high-net-worth, asset-based pathway to home financing without requiring tax returns or IRS Form 4506-C. Borrowers may qualify using verified assets.
12 month P&L statement along with 3 months bank statements to support P&L (10%-25% variance)..
Real estate investor cash-out with bank-statement loans: use rentals, 1099 or Airbnb income, alt docs. Up to 85% LTV, flexible credit & no tax return needed.
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
The 1099 Mortgage Program makes qualifying easier for self-employed borrowers. Only one year of 1099 income is required—no full tax returns—offering high loan amounts, flexible underwriting, and availability across 30+ states.
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
Our alternative documentation mortgage program features a Lite Doc option for borrowers seeking simplified income verification. Applicants can qualify using only the past 12 months of income, either through one year of W-2s with recent pay stubs or a year
Manual Underwrite Super Jumbo Mortgage Super Jumbo Non-Conventional Mortgage Loan Program | Flexibility | Freedom | Buying Power Mortgage financing freedom ability available to purchase a home or expand your real estate portfolio manually underwritten home loan program and can
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