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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
Maximum Loan Amount: $4,000,000 Cash Out: $1,500,000 Specialized lender leads the way in the Non-Prime niche mortgage lending space with over 50 years of collective
Flexible ITIN mortgage loans for non-U.S. citizens. Finance or refinance investment properties with up to 90% LTV and no tax returns required.
The 6-Month Bank Statement Mortgage 660 Credit Score program for borrowers with credit scores of 660 to qualify using six months of personal or business
Income is stated on Form 1003 without tax returns; self-employed borrowers with 30 % ownership provide bank statements and verified assets to qualify.
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
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.
12-Month Bridge Loan: short-term loan up to $30M, up to 75% LTV. Tap your property equity fast before sale. Credit score min 620.
Borrow up to $3M with jumbo hard money loans at 80% LTV for fix & flip, bridge, construction & more. No 4506-T required, flexible income
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
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
Jumbo Bank Statement Loan to $5,000,000. Alt-doc qualifying with 12–24 month. bank statements, up to 55% DTI, and $2,500,000 cash-out available.
The DSCR Mortgage Loan Program offers financing options with a Debt Service Coverage Ratio as low as 0.75. Borrowers can choose from adjustable-rate mortgages (ARMs)
This program enables primary owner-occupied loans from $500,000 to $5,000,000 for purchase, refinance, cash-out, construction, bridge, or blanket financing.
Bank Statement Program – 2025 This Bank Statement mortgage is designed for self-employed borrowers. You benefit from a simplified qualifying method with income based on
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
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
This Jumbo Loan program helps borrowers that have experienced a credit event get approved for up to $4,000,000. Occupies include second homes, and investment properties
The Stated Income Owner-Occupied Jumbo program (updated July 31, 2025) provides borrowers who prefer not to provide income documentation or tax transcripts. Purchase loans to
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
Our Bank Statement Mortgage Program offers self-employed borrowers and independent contractors a flexible financing solution without traditional income verification. Qualify using 24 months of personal
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
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
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
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
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
Subprime bank-statement loan: Alt-doc financing using bank statements for income. Higher-risk, flexible qualification even with credit blemishes.
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
Commercial Mortgage Stated Income This Commercial Mortgage Loan Program Does Not Require Tax Returns or W-2’s Credit Score: 660 Middle Credit Score Loan Purpose: *
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
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
Bank Statement Loans for Self Employed Borrowers Whether you’re purchasing your first home or expanding your real estate portfolio, these loans adapt to your income
Non-QM Mortgage Broker Loan Purpose: Purchase; Rate/Term and Cash Out Refinance; Construction; Commercial; Acquisition For the Super Jumbo Loan Program facilitated by our Non-QM Mortgage
Niche Loan Non-Prime Mortgage Our non-prime jumbo mortgage loan program offers flexible financing options, allowing borrowers to qualify using either 12 or 24 months of
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.
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
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.
The Non-QM Bank Statement Loan Program offers flexible underwriting with a maximum Debt-to-Income (DTI) ratio of 55% for loans up to $2,000,000, with even higher
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
Super Jumbo Investor Mortgage | DSCR. A specialized DSCR loan program for real estate investors with a minimum credit score of 620. Offers up to
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
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
DSCR Mortgage – Social Security Number Not Required Our flexible options with DSCR, No Ratio makes it easy to purchase or refinance (including Cash Out)
Our manual underwriting process for DSCR loans provides the flexibility to evaluate loans comprehensively, allowing for more credit approval decisions. LTV up to 85% on
Bank Statement Loan $4,000,000. Max LTV 85% Bank Statement Jumbo Mortgage: Borrow up to $4,000,000 with a maximum 90% LTV Maximum LTV/ Minimum Credit Score
Asset depletion mortgage: Use liquid assets (cash, investments, retirement) as qualifying “income.” No W-2s or tax returns required—ideal for asset-rich borrowers.
Qualify for an Asset Depletion Mortgage up to $5 million without tax returns. This program allows self-employed and W-2 borrowers to use verified assets as
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
Non-Prime – One Day Out of a Short Sale or Foreclosure Loan This loan is for people that have recently either foreclosed or short sold
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
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
Condo Mortgage Program 90% LTV to $2,500,000 Purpose: Purchase, Refinance Cash Out 80% LTV – $4,000,000 – 740 Credit Score 80% LTV – $3,500,000 –
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+
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
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,
Manufactured Home Loan Programs 680 Credit Score, Minimum 50% – Maximum Debt-to-Income Ratio DTI No Cash Out All Automated Underwriting Owner-Occupied Only FHA Maximum LTV:
Super Jumbo Non-Prime Alt Doc – $10,000,000 Documentation: Bank Statements from 600+ FICO to 90% LTV Full Income Documentation to 90% LTV | Tax Returns,
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
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
Portfolio Mortgage Program Highlights 2024 * FHLMC Super-Conforming * FNMA unpermitted space ok if documented per guidelines * Transferred appraisals ok on most programs- *
Super Jumbo Hard Money Loan Program 1st, 2nd, and 3rd Stand-Alone Mortgage | Forms 4506-T and 4506-C Not Required LTV – 70% to 75% depending
96.5% LTV with 630 Credit Score Purchase and Rate and Term Refinance Only. No Cash Out 55% Maximum Debt Ratio DTI * Owner Occupied Only
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