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Reduced Doc Loans - 12 Month Employment Documentation Programs

One year employment and one year income. Reduced Doc mortgages are for people with less than two years employment history and can be self-employed, W2 wage earner, 1099(s), or any combination thereof. What this means to you is you only need to provide one year of employment verification documentation instead of the standard two-year history requirement. | Questions? Speak to a Loan Officer (800) 718-8906.

Reduced Doc Loans - 12 Month Employment Documentation Programs

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

Self-Employed Home Loan – Lite Doc

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 allowed. Asset depletion, multiple financed properties, and recent mortgage lates OK.

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06/11/2024 07/03/2025

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