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Mortgage Pre-Qualification Form – No Credit Check

Non-QM Jumbo Lender Program

Non-Qualified Mortgages and Non-QM Mortgage Brokers In an ever-evolving Non-Qualified mortgage market, We continue to expand our products and guidelines Our team of Non-QM Mortgage Brokers is committed to continually enhancing our Non-Qualified Mortgage products and guidelines. Non-QM Mortgage Broker – Bank Statement Loan to $5,000,000 Use Personal and/or Business Bank Statements and No 4506-T or 4506-C. As a leading Non-QM Mortgage Broker, we offer Bank Statement Loans to 90% Loan-to-Value (LTV). With a minimum credit score requirement of

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08/13/2020 12/26/2025

Super Jumbo DSCR Investor Mortgage

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. Income verified through rental leases or appraisal form 1007.

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06/17/2021 12/26/2025

Investor Bank Statement Loan

Prime & Non-Prime | 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 and through established portfolio commitments. Credit Flexibility & Underwriter Discretion Niche Lending Solutions LTV / Loan Amount / FICO Matrix

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08/14/2025 12/01/2025

Investor Mortgage Program

Flexible financing for real estate investors, with DSCR options, jumbo limits, and competitive terms to grow all of your refinance property portfolios.

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04/10/2014 11/20/2025

6 Month Bank Statement Mortgage Programs

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

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01/14/2020 11/20/2025

DSCR No Ratio Cash Out Refinance

Flexible DSCR No Ratio loans up to $3,500,000 with LTVs to 85%. Available for purchases, refinances, and cash-out up to $500K. Eligible for SFRs, condos, non-warrantable condos, and multi-units.

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09/04/2025 11/17/2025

Super Jumbo DSCR to $4,000,000

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 is just another benefit of this easy to close loan product specifically for real estate investors to maximize property cash flow. Business Entity Vesting – OK DSCR is considered a Business Purpose Loan simply because the subject property is an investment property. However, we do have Business Loan Programs for primary residences, too. Highlights

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06/14/2023 11/15/2025

Bank Statements – Jumbo Mortgage – Interest Only

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.

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11/06/2018 11/15/2025

Investor Loan – No Doc

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 years of real estate investing experience; they know how to underwrite a loan. They also offer 3-year terms for borrowers with longer-term projects as well as traditional bridge funding. An investor can close in a natural person’s name or

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06/17/2015 11/15/2025

First Time Home Buyer Jumbo loan

Jumbo Purchase Loan for the First-Time Homebuyer to $1,000,000 Eligible Transactions: Purchase. See refinance loans Loan Amounts to $2,500,000 Financing up to $2,500,000 with options for first-time homebuyers up to $1,000,000 at 85% LTV. For larger purchases, secure up to 90% LTV on loans to $1,000,000 with just 3 months of reserves, covering principal, interest, taxes, and insurance. Loan Amount – Reserves Requirements:* $2,500,000 – 18 Months Reserves* $2,000,000 – 12 Months Reserves* $1,500,000 – 9 Months Reserves* $1,00,000

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01/22/2015 11/15/2025

True No Doc Home Loan

No Income verification super jumbo Loan up to $30 Million. Access high-value financing without income documentation or employment history. Ideal for self-employed, retirees, day traders, and those with unconventional income. If you have strong equity, this program is tailored for you.

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05/26/2015 11/15/2025

Fix and Flip Program

Fix & Flip Flexible Capital Program: At Broker Mortgages, our Fix & Flip Program gives real estate investors the financial power to acquire, renovate, and resell properties quickly — without the long wait times of traditional lenders. Whether you’re a seasoned house flipper or exploring your first rehab project, our tailored financing solutions help you turn opportunities into profits. Why Our Fix & Flip Program? Fast to Flip Properties with Confidence Who Qualifies? How It Works (Simple 4-Step Process)

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09/16/2020 11/15/2025

Investor Purchase Loan Program

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 form 1007) Six months Reserves required for the subject property plus 6 months liquid reserves for every property that is currently being financed. (Cash out can cover reserve requirement) Jumbo Loan Amounts * $250,000 * $4,000,000 Property Types *

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09/16/2014 11/15/2025

Jumbo Investor Loan 90% LTV 720 Credit Score

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

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03/25/2015 11/15/2025

Debt Service Coverage No Ratio

Debt Service Coverage Ratio (DSCR) – No Ratio program for real estate investors up to $5,000,000. Eligible for purchase and cash-out refinance with no employment or traditional income documentation required. Income is based on rental leases or appraisal. No DTI ratio applies, and credit score, LTV, and reserves are key factors.

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03/17/2021 11/15/2025

Non-Prime Bank Statement Loan 620 Credit Score

The Non-Prime Bank Statement Loan (620 Credit Score) is a Non-QM non-traditional income documentation. qualifY using 1 to 24 consecutive months of recent bank statements—with or without reduced-doc or alt-doc options like 1099 income—in lieu of standard tax returns. Designed for applicants with a minimum 620 credit score, the program supports purchase or refinance loans up to $2,500,000 at 80% LTV and enables cash-out refinances up to $1,500,000 in cash-in-hand.

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06/14/2015 11/15/2025

Portfolio Jumbo – Stated Income California

True Stated Income 2025 | Form 4506-C Not Required An alternative to the “bank statement loan” program for the well-qualified self-employed borrower. You could say this is an equity-based loan program in that the max LTV would be 80%. You could also call it a “portfolio loan” or “Non-QM” mortgage. Self-Employed Home Loan Income and Employment Documentation Stated Income/Verified Asset mortgage programs are for borrowers that own their own business. Business entity types: C corporation, S corporation, LLC, partnerships.

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10/07/2017 11/15/2025

Super Jumbo DSCR $4,500,000

DSCR loans remain a top choice for real estate investors. We offer flexible guidelines using income from both long- and short-term rentals, and can qualify using the higher of market rent or lease-stated rental income.

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04/16/2024 11/03/2025

DSCR Super Jumbo to $5,000,000 Cash Out

Qualifying for a mortgage on an investment property can be tricky, particularly if you own multiple properties. The DSCR (Debt Service Coverage Ratio) option makes qualifying simple: The only income considered to determine qualification is the rental income from the subject property vs. the PITIA payment. No DTI is developed. DSCR Cash Out Refinance The DSCR option makes qualifying for a Cash Out refinance simple: The only income considered to determine qualification is the rental income from the subject

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02/06/2024 10/27/2025

Investor DSCR Mortgage Program

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 flow instead of traditional income.

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06/04/2024 10/15/2025

12 Month Bank Statement Loan + VOE Alt Doc

Self-Employed Home Loan 600 Credit Score Self-employed borrowers with credit scores as low as 600 can access flexible home financing through our alt doc mortgage programs. These loans are tailored for business owners, freelancers, and entrepreneurs who may not qualify through traditional income verification. 12 Months Bank Statements – 90% LTV – 680 Credit Score Go with our 12-Month Bank Statement Loan, which requires only one year of bank statements and employment verification. Borrowers with a 680 credit score

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12/10/2019 09/26/2025

Stated Income Verified Assets to 75% LTV Owner Occupied

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 assets and stated income. Available for primary residence financing with a minimum 660 credit score.

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02/03/2015 09/26/2025

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 non-prime borrowers seeking tailored solutions. Commingle Business and Personal Bank Account Statements Experience adaptable Non-QM income documentation options designed for self-employed borrowers. Use personal,

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01/11/2016 09/16/2025

Alternative Income Documentation Jumbo Program

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.

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04/05/2016 09/09/2025

No Ratio Investor Loan Jumbo

DSRC Investor Loan Program – No Income Verification Qualify for a self-employed mortgage with loan amounts up to $5,000,000 and a 760 middle mortgage credit score. No income documentation, employment verification, or 4506-C form required. This program is ideal for self-employed borrowers seeking a hassle-free approval process without traditional income verification. Jumbo Loan Amount to $2,500,000 Super Jumbo Loan Amount to $5,000,000 Purchase & Rate/Term Refinance: Refinance Cash Out: Loan Amounts: $5,000,000 – 760 Middle Mortgage Credit Score *

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11/02/2019 09/08/2025

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 (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

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03/11/2021 09/08/2025

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, including those currently in foreclosure, bankruptcy, or with past bankruptcies. Even properties in probate are eligible, providing solutions for unique financing situations. This program

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06/14/2023 09/07/2025

Vesting Title in Legal Entities

Vesting Title in Legal Entities for Business Purpose Mortgages. This program allows borrowers to title property under Corporations, LLCs, or Partnerships—offering flexible vesting options for business and investment purposes.

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03/26/2015 09/07/2025

Asset Qualifier Jumbo Loan

Federal Tax Transcripts Not Required Qualifying Criteria for this loan program are Asset Based. This program can also be used to supplement additional alt doc programs such as Bank Statements and/or 1099’s. Form 4506-T Not Required, and Form 4506-C Not Required This loan program is specifically designed for moderate to high-net-worth borrowers. Qualifying calculation based on verified liquid assets as an alternative method to traditional income verification to determine borrower’s ATR “Ability to Repay”. Our investors take a common-sense

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05/13/2015 09/07/2025

Inherited Property Loan Program

Inherited Property Financing 80% Loan-to-Value (LTV) This loan program is for people that have lost a family member and would like to keep the home. Purpose: Purchase, Refinance, and Cash Out Refinance Underwriting Notes: Credit: Deferred Maintenance – OK Debt Consolidation – OK Debt-to-Income (DTI): 50% Maximum Future Rental Income Considered on a Case-by-Case basis, Underwriter’s Discretion Home Improvement Cost can be included in the loan and paid out at the close of escrow Available in the Following States:

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06/04/2015 09/07/2025

Hard Money Super Jumbo Florida

The Hard Money Super Jumbo Florida Mortgage Program offers rapid, equity-based financing—supporting purchase, rate-and-term, and cash-out refinances—for loan amounts starting at $5 million and extending up to $10 million on a case-by-case basis. Structured as a non-QM, hard money solution, it provides flexible qualification outside conventional underwriting.

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01/21/2015 09/07/2025

Super Jumbo Investor – 30 million

Super Jumbo Loan Amounts to $30,000,000 Non-Prime/ Manual Underwrite Super Jumbo Common Sense Manual Underwriting and in-house decisions. Final decision with second signature requirement. Income Documentation Not Required Property Types: * Single Family Residence * 2 Units * 1-4 units Highlights: * Interest Only Available Including Cash Out Refinance * Unlimited Cash Out * Bridge Financing Available * Reverse 1031 Available * Cross Collateralization to Leverage Borrowers Investment Properties – 80% LTV * DTI > 50%+ OK * Gift

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08/07/2020 09/07/2025

DSCR No SSN

DSCR Mortgage – Social Security Number Not Required Our flexible options with DSCR, No Ratio makes it easy to purchase or refinance (including Cash Out) DSCR ≥.75 and No Ratio options Qualify with a minimum DSCR of .75 and loan amounts up to $4,000,000. Short-term rentals are eligible, and for multiple borrowers, the highest mid-score applies. Choose from 15-, 30-, or 40-year fixed, or ARM options, with interest-only options available. These loans allow corporate and LLC vesting, and gift

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08/08/2024 09/05/2025

Debt Service Coverage Ratio Program

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 –

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09/03/2020 07/31/2025

Super Jumbo Investor Loan

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

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01/09/2020 07/31/2025

Hard Money Loans

Hard Money Loans Our mission is to help individuals, investors, builders, developers, foreign nationals, and all legal entities including foreign legal entities obtain alternative real estate financing options to assist in a diverse real estate market (usually understood as Hard Money loans). We are a unique Hard Money Loan service for a variety of real estate transactions, including investor purchase loans; refinance cash out option; new construction; second trust deeds; third trust deeds (Hard Money); refinance loans for primary

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05/03/2018 07/21/2025

Jumbo Private Hard Money Program

Hard Money Loan Program All Property Types (Except Land & Manufactured Homes) 1st Trust Deeds Available and 2nd Trust Deed HELOC’s from $250,000 – $10,000,000 Guideline Highlights Bridge Loans Current NOD / NOS = OK Current Bankruptcy = OK Mortgage Lates = OK Low Fico Scores = OK Quick Funding Just Funded: $980,000 1st TD, $1,100,000 1st TD, $700,000 1st TD, $150,000 2nd HELOC, $250,000 2nd HELOC, $185,000 2nd HELOC, $145,000 2nd HELOC, $300,000 HELOC Available in the following

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04/10/2014 06/11/2025

Investor Purchase Loan Program

Product and Service Created: 16 September 2014 ||| Last Updated: 06 February 2025 Investor Purchase Loan Program Real Estate Investor Loan: Up to 12 Financed Properties – OK 680 Middle Credit Score | 85% Maximum LTV Borrower can own unlimited properties, but only 10 can have a mortgage lien No Ratio Income Documentation * Leases (or appraisal form 1007) * Six months Reserves required for the subject property plus 6 months liquid reserves for every property that is currently being

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06/15/2024 03/31/2025

Contact a Loan Officer

Non-Prime Mortgages

Non-Prime Wholesale Lenders

Non-Prime Lending

Non-Prime Bank Statement Mortgages

Non-Prime Wholesale Lenders

DSCR Mortgages

Non-Prime 1099 Only Loans

Non-Prime Loan Programs

Credit Score Tools

Second Mortgages

Bank Statement Second Mortgages

Second Mortgage Niche Loans

Stated Income Mortgages

Non-QM Lenders and Loans