No Ratio Mortgage Program
No Ratio mortgage—no income disclosure required. A great fit for asset-rich or investment-savvy borrowers. No income disclosed or documented: * No DTI calculated * Designed for primary, second home, and investment properties * Available for purchases, rate/term, and cash-out refis * Minimum: $100,000 Loan Amounts: * Maximum: $3,000,000 (up to $1.5M cash-out allowed) Credit Score […]
Stated Income Home Loan
Stated Income Home Loan Program This Stated Income Home Loan program provides flexible financing solutions for owner-occupied properties, allowing borrowers to qualify without traditional income documentation. Eligible Transactions Loan-to-Value (LTV) & Credit Score Requirements Purchase & Rate/Term Refinance – Primary Residence: Cash-Out Refinance – Primary Residence: Loan Amount & Reserve Requirements Credit & Financing Guidelines […]
DSCR No Ratio No SSN#
Our Debt Service Coverage Ratio (DSCR) loan program is designed for real estate investors who want to qualify based on rental income rather than personal income documentation. Whether you’re a first-time investor or looking to expand your portfolio, this program provides a flexible path to financing. Key Benefits of a DSCR Loan Borrowers can secure […]
DSCR – 4 Units
Real Estate Investors & DSCR Loans DSCR Loans give real estate investors to expand their portfolios by leveraging cash flow, offering flexibility and powerful financing options. This program not only supports your clients but also builds your loyal and growing customer base. DSCR Program Feature Highlights: * Jumbo Loan Amounts up to $4,500,000 * Investor […]
Stated Income/Verified Assets – California
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.
Non-QM – Stated Expense Ratio
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.
Portfolio Jumbo – Stated Income
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 – Credit Check Not Required True California Stated Income Programs We Offer Self-Employed Home Loan: An […]
Stated Income/ Verified Assets Super Jumbo
Income is stated on Form 1003 without tax returns; self-employed borrowers with 30 % ownership provide bank statements and verified assets to qualify.
Stated Income Verified Assets Owner-Occupied Jumbo
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 90% LTV up to $3.5 million, cash-out up to 90% LTV to $2 million and 85% LTV to $4 million.
Commercial Mortgage Stated Income Super Jumbo
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 Amount: Loan to Value: Eligible Property Types: Available Terms: Available in the Following States: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Kansas, Kentucky, Louisiana, Maine, Maryland, […]
No Income No Asset Verification
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. These portfolio programs support Purchase, Refinance, and Cash-Out Refinance scenarios, offering a simplified path to funding.
Stated Income Jumbo – 720 Credit Score
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 an executed Form 4506-C – it’s not needed for your application, approval or at any time throughout to close. Access substantial financing without the paperwork fuss and frustration, delays, improper […]