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Closed-End Bank Statement Second Mortgage This program is a closed-end, fixed-rate second mortgage option designed for self-employed individuals and real estate investors, who may not have traditional income documentation. The lender facilitates financing by relying on bank statement documentation, offering
Stated Income / Verified Assets Mortgage This Stated Income / Verified Asset mortgage loan program is for borrowers that own their own business and also have liquid reserves equal to 12 months of the proposed housing expense. Loan Scenario Form
Conventional Lender – Minimal Overlays The condition “Purchase: Source & season Earnest Money Deposit in the amount of $XXXX is usually not required. Stock and
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
DSCR stands for Debt Service Coverage Ratio loans, which allow real estate investors to qualify based on property cash flow rather than personal income making
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+
Non-Prime – No Income and No Employment If you’re seeking the right Non-Prime No-Income/No-Employment program requiring minimal documentation.With no verification of income or employment required,
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
Stated Income Jumbo Construction Loan up to $10 Million for home builders. Short-term financing for construction projects—no 4506-T or 4506-C forms required. Ideal for builders
Non-Prime Bank Statement Options Self-Employed Borrowers: Portfolio Direct Lender is a direct lender with their own portfolio of loan products and programs, and they make
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
Second Mortgage Bank Statement Jumbo Loan. Flexible CLTV options with loan amounts starting at $250,000, up to 85% CLTV. Available for larger loans, with 80%
Sole Proprietor Super Jumbo Loan Program – $7,500,000 This particular 1099 Only income documentation mortgage loan can accommodate Sole Proprietors, Independent Contractors, and Freelance Professionals
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
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
High-LTV program offering up to 96.5% financing with a 630 score, flexible credit rules, and owner-occupied options for purchase or rate-term refinance.
A flexible 12-month bank statement loan program designed for self-employed borrowers and business owners, offering up to 85% LTV with alternative income documentation. W-2 co-borrowers
This investor purchase loan program provides flexible financing for borrowers acquiring residential investment properties, second homes, and select owner-occupied properties. Qualified borrowers may finance multiple
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
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
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
Hard money jumbo loans in California offer flexible financing with no personal income verification, allowing borrowers to qualify based on liquid assets for reduced investor
The Bank Statement Loans highlights a suite self-employed borrowers that cannot provide conventional income documentation including the 12-Month Bank Statement option to enable qualification using
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.
Asset Depletion Program: turn your assets like stocks or investments into income, boost your borrowing power without pay stubs.
1099 Only mortgage for Independent Contractors with one or two year self-employment histor.
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
Cash Grant for Repairs This is a government program available to most borrowers. The government likes it when a homeowner buys in a rough area
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
Asset depletion mortgage: Use liquid assets (cash, investments, retirement) as qualifying “income.” No W-2s or tax returns required—ideal for asset-rich borrowers.
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
California SIVA program: State income on the 1003, verify assets (no tax returns/W-2s), up to $3,500,000 purchase or $2,000.000 cash-out refinance.
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
Flexible Financing for Homes and Acreage in Rural AreasOur Rural Property Loans are designed for buyers and investors seeking mortgages for residences or acreage beyond
DSCR First Time Investor Loan OK Our DSCR cash flow loan offers borrowers an interest-only option to qualify using the interest-only payment plus escrows. This
Our Stated Income / Verified Assets Mortgage Program offers flexible financing for self-employed borrowers with strong assets and non-traditional income. No tax returns required—just verified
No income or asset documentation required—no 4506-T or 4506-C forms needed. As of June 2025, tax returns are not required for self-employed or W-2 borrowers.
Partner with us for ARV purchase & rehab loans—finance both acquisition and renovations, leverage your property’s after-repair value, with flexible terms & fast draws.
This program enables primary owner-occupied loans from $500,000 to $5,000,000 for purchase, refinance, cash-out, construction, bridge, or blanket financing.
Manual Underwriting Loan Programs Flexible Mortgage Solutions with Manual Underwriting Manual underwriting is designed for borrowers who may not meet traditional automated underwriting requirements. Instead
Non-Prime Mortgage Loan Program – 580 Credit Score Our Non-Prime Mortgage Loan Program is designed to help borrowers with less-than-perfect credit access home financing. Co-borrowers
Super Jumbo Alt-Doc loans with a 620 credit score: get up to $2.5M for purchases, flexible docs (bank statements, P&L), low down & broad eligibility.
12 month P&L statement along with 3 months bank statements to support P&L (10%-25% variance)..