Unconventional mortgage lenders offer several benefits that can be advantageous to borrowers seeking alternative financing solutions or the best pricing and conditions the industry has to offer. Review loan programs in detail, research top lenders, and utilize one of the nation’s top unconventional QM and Non-QM Mortgage lenders in the US.
Different lenders specialize in filling the needs of borrowers that need a niche loan program that accommodate a variety of loan credit profiles, such as Verification of Employment options, Borrower Eligibility Loans . Loans by: Credit Scores, LTVs, Income documentation, Employment documentation, Also broken down to Niches such as loan programs that will go up to 55% DTI (debt-to-income ratio).
As part of our inhouse broker network, we work diligently to match borrowers with the right lender, ensuring competitive rates and favorable terms. We can simplify the mortgage process by leveraging our lender network to secure the best possible deals for our clients. Work with a qualified Loan Officer.
We partner with a vast, as you can see, lender network that includes over 150 top and trusted wholesale lenders. Our extensive connections allow us to offer borrowers tailored mortgage solutions that meet their unique financial needs.
Prime and Non-Prime Lender Websites
Advancial Mortgage, Ameris Bank, AmWest Mortgage, Arc Home Loans, AXOS Bank Home Loans, Carrington Wholesale, Champions Funding, Change Wholesale, FLC Bank, Fund Loans, Home Point Financial, HomeBridge Wholesale, Loan Depot Wholesale, Logan Finance Wholesale, Luther Burbank, Luxury Mortgage Corp, New Fi Wholesale, NexBank, Orion Lending, Pacific Residential, Park Place Finance, Plaza Home Mortgage, Quontic Bank Wholesale, Quorum, Sierra Pacific Mortgage, SpringEQ, Stearns, Symmetry Lending.
5th Street Capital, ACC Mortgage, Acra Lending, AD Mortgage, Advancial Mortgage, AmWest Mortgage, Angel Oak Mortgage Solutions,  Archway Capital, AXOS Bank Home Loans, Bay Mountain Capital, Better Loans and Realty, BluePoint Mortgage, Brokers First, Capital Alliance, Capstone Financial, Cardinal Financial, Carrington Wholesale, Champions Funding, Change Wholesale, Clear Edge Lending, CMG Financial, Deephaven Mortgage, Flanagan State Bank, Flex Point, FLC Bank, Forward Lending, Freedom Mortgage Wholesale, Home Point Financial, Mortgage Yes, Fremont Bank, Fund Loans, GreenBox Loans, Home Xpress, HomeBridge Wholesale, Jet Mortgage, JMAC Lending, Kind Lending, Lending Pros, Lendsure, Lima One, LoanStream, Logan Finance Wholesale, Nations Direct Mortgage, New Fi Wholesale, N-QM Funding, Oaktree Wholesale Funding Corp, Orion Lending, PennyMac, Plaza Home Mortgage, PRMG, Quontic Bank Wholesale, Quorum, REMN, Solve Mortgage, Sunwest Mortgage Company, SwiftSure, The Lender, The Loan Store,
AD Mortgage, Arc Home, Archway Capital, Bay Mountain Capital, Better Loans and Realty, Builders Capital, Capital Alliance, Capital Lending Financial, Civic Financial Services, EPM, Equity Wave Lending, First National Bank of America, Flagstar Bank, Flanagan State Bank, Flex Point, Florida Capital Bank Mortgage, Hometown Equity Mortgage, Land Home Financial Services, Maggio Capital, Mega Capital, North Coast Financial, Pacific Residential, Park Place Finance, PB Financial Group, Quick Fast Capital, RCN Capital, REMN, Residential Acceptance Corporation, Seattle Funding Group, Socotra Capital, STG, Stone Crest Financial, Talimar Financial, Temple View, Unified Reliance Wholesale, Unite Mortgage, Val-Chris Investments, Visio Lending.
Product: Our Unconventional Lender Network provides product and service leverage; communication platforms to include brokers makes it easy for us to shop your loan scenario (before checking credit). We leverage our wholesale lender relationships, and in addition to meet our overall objective, you benefit from 100’s of years of mortgage loan origination industry experience.
Your business is valuable and should receive the best service (pricing, product conditions, terms, turn times, etc.) available, naturally. Our unconventional mortgage service is done on the front-end, before a full application (Form 1003 Residential Loan Application) and credit credit and is driven by communication platforms to include wholesale lenders, Lender Representative, Broker Representatives, qualified and pre-screened Loan Officers (bank and broker), Broker Service Representatives (BSR) brokers your loan scenario, not your name or contact info. We’re not in the business to sell your information. We are here to earn your business. involved starting with you.
Our Unconventional Lender Network provides access to nontraditional lenders, Non-QM lenders, loan products, and niche loan programs. We have solutions for borrowers that do not fit the traditional income documentation guidelines with our 1099 Only options for 2024 to help qualify more borrowers.
All Non-Qualified lenders cater to the self-employed borrowers. borrowers with complicated tax returns, i.e., Self-Employed borrowers, Business Executives, entrepreneurs. We have Non-QM lenders, Non-Prime lenders, Portfolio lenders, Foreign National lenders, and Investor program lenders.
95% LTV jumbo no mortgage insurance purchase at 660 FICO and cash out 24-hour turn times in underwriting with no overlays, manufactured homes, W2 only programs with no traditional guideline overlays on gift funds. Equity qualifying, and Profit and Loss (P&L) programs.
Non-QM includes 12 and 24 personal or business bank statements using up to 100% of deposits as income, interest only including 40-year amortization with 10-year interest-only. Then re-cast, 30-yr amortization. Non warrantable condominiums with no investor concentration, one year out of bankruptcy and short sale two years out of foreclosure. A product for a seasoned real estate investor owning up to twenty investment properties.
Borrower reduced income, nontraditional methods 12 months personal and or business bank account statements, P&L Only. Alternative income and employment documentation programs, the lender will require a signed 4506-C, only executed should the loan go into default. Non-Prime, No Doc, Lite Doc, Reduced Doc, Bank Statement Lenders, 1099 Only option programs designed for borrowers who receive one or more 1099 ‘s per year is allowed and furthermore can be combined with other types of alternative and full doc income. Form 1040 Only, and One Year Tax Returns, etc.
What’s good about Portfolio lenders is they always offer their own special and or unique product, as the investor. It is in-house underwriting on their own money. So, outside investor signatures are not required before closing docs are ordered or at any time through approval to fund.
A Portfolio lender can provide borrowers with greater opportunity to open up their expectations, and opening doors to greater loan amounts and larger projects for more revenue and more profit, moving forward as we continue to retain loyal borrowers and repeat business with our borrowers (you).
In contrast to traditional lending, unconventional mortgage lenders often have more flexible eligibility criteria. They may consider factors beyond just credit score and income, such as employment history, assets, and unique financial situations. Because they can.
Non-Traditional income sources can be accepted: Moreover, unconventional lenders are typically more willing to accept income from non-traditional sources, such as self-employment, freelancing 1099/Independent Contractors), investment income (Day Trader), or rental income (Property Managers). This opens up borrowing opportunities for individuals with diverse income streams.
Furthermore, unconventional Construction Loan lenders may offer faster approval processes compared to traditional banks or mortgage lenders. Their streamlined procedures and willingness to consider alternative factors can lead to quicker loan decisions and funding.
Near Prime “near miss” (non-Agency) options as well as Near Prime Jumbo and Super Jumbo loans, all backed by responsible underwriting and thorough due diligence processes. With in-house operations, we ensure swift closings for our clients.
The built-in advantage of working with a correspondent channel is underwriting turn time. Same day all day. For favorable pricing and superior service, we have in-house Correspondent Lenders with exceptional turn times. Conforming loans (minimal to no guideline overlays with 60% DTI and reserves waivers) to Portfolio Qualified Mortgage lenders that offer a-paper.
Underwriting Guideline exceptions and requirements are based on credit scores, Debt to Income ratio, equity position/loan to value ratio, occupancy, property type, and various variables and loan characteristics such as “credit event” seasoning.
Our bank statement loan service provides flexible solutions. By analyzing gross monthly deposits and subtracting an expense ratio or factor percentage, our lenders pre-underwrite and
Non-QM Mortgage Broker Service We can have the income figured out $X/Mo) and signed off to the dollar to make sure the numbers fit before jumping
Prime and Non-Prime Bank Statement Options | Self-Employed Borrowers Portfolio Direct Lender is a direct lender with their own portfolio of loan products and programs,
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
The Real Estate Investor Program offers flexible income documentation options, including Full Doc or DSCR (Debt Service Coverage Ratio) Purpose: Purchase or Cash Out Refinance
Debt Service Coverage Ratio (DSCR) continues to be popular with real estate investors. Below are guidelines using Long- and Short-Term Rental Income. We can use
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
“DSCR” stands for Debt Service Coverage Ratio Loans. Additional loan programs information below.
1099 Only Lite Doc Income Documentation Bank Statement Loan | 660 Credit Score – 90% LTV to $1,500,000 * 1-Year Income and Employment Verification Documentation,
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
Stated Income / No Doc This program is an asset-based lender Currently in foreclosure OK Currently in bankruptcy or past bankruptcies OK In probate OK
A Stand-Alone Second Mortgage, also known as a second lien mortgage, enables borrowers to unlock equity while retaining their current first lien mortgage and low
3 Month Bank Statement Loan Program – 2024 Our flexible loan options cater to those who have had an exceptional last 3 months. Instead of
3 Month Business or Personal Bank Statement Loan Program Business Bank Statements or 3 Months Personal Bank Statements Our 3 Month Program is the alternative
New Jumbo Guidelines with Loan Amounts to $10,000,000 Most Non-QM lenders require a 620 minimum credit score to qualify for 85% LTV Cash Out for
Jumbo and Super Jumbo – Cash-Out – 600 Credit Score Second Mortgages also Available. Private Money Lender, southern California based with LTVs up to 80%
Maximum Loan Amount: $4,000,000 Cash Out: $2,000,000 Specialized lender leads the way in the Non-Prime niche mortgage lending space with over 50 years of collective
Six Alternative Income Verification Options Non-QM loan program uses bank statements in lieu of Traditional Income Documentation to determine a borrower’s Ability-to-Repay. Agency – government
Prime and Non-Prime Bank Statement Options – Self-Employed Borrowers Portfolio Direct Lender is a direct lender with their own portfolio of loan products and programs,
Non-QM Alt Doc Bank Statement Loans to $10,000,000 Now you can use your 1099(s) to qualify as additional income/”ability to repay” (ATR) Non-QM loans are
This Alt Doc loan program is for buyers that have extraordinary or unconventional income and documentation including self-employed borrowers and fixed income along with previous
Non-Prime Mortgage Lender Programs and Highlights Independent contractor mortgage borrowers can now use their 1099 forms to qualify as additional income, demonstrating their ability to
3 Months Business Bank Statements or Personal Bank Statements Our 3 Month Program is the alternative to 6-month, 12-month and 24-month programs. We also have 1-month and 2-month
Portfolio Mortgage Asset-based Income Documentation | Asset Based Lending * Debt-to-Income DTI (expense ratio) up to 55% Now you can use your 1099(s) for to
Self-Employed Bank Statement Super Jumbo loans Borrowers utilize 12 or 24 months of business bank statements to demonstrate their Ability to Repay, eliminating the need
Non-QM Mortgage Broker Non-QM lender offering Non-QM loan programs to California self-employed borrowers. California business owners need flexible non-qualified underwriter guidelines with favorable pricing, reasonable
Real Estate Investor Loan Program Designed for real estate investors, this Bank Statement loan can qualify investor income and self-employment income in different or multiple
Non-QM Mortgage Broker | Self-Employed Home Loans Alternative Bank Statement Income Bank statement lenders apply varying underwriting guidelines for expense percentage ratios, also referred to
Non-Qualified Mortgage Lender Serving California Business Owners Non-QM lender offering Non-QM loan programs to California self-employed borrowers. California business owners need flexible non-qualified underwriter guidelines
Hard Money Loan Program Guideline Overview Interest-Only Payment Term Available * Loan Amounts: * $250,000 – $7,500,000 Property Types: * SFR (Single Family Residence) *
1099 Only mortgage for Independent Contractors with one or two year self-employment histor.
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-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
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. Bank
Bank Statements for all Self-Employed Borrowers ** November 2024 Update * Purchase, Rate/Term, and Cash Out to $12,000,000 Key Benefits Bank Statement Mortgages: * Personal
Bank Statement Income Loan programs that utilize bank statements do not require form 4506-t to be processed at any time throughout the escrow process or
Bank Statement Program – 2024 This Bank Statement mortgage is designed for self-employed borrowers. You benefit from a simplified qualifying method with income based on
12 Month Bridge Program Lending Partner with the Flexibility to Deliver Results 12 Month Bridge Loan allows Borrowers Access to the Equity in their Property
Non-Prime – No Income and No Employment DTI up to 60% (back-end dti) – total monthly payment sum divided by your total monthly payments (as
Foreign Nationals are buying properties now more than ever which means good & effective Buying Power for the foreign national and also more and more
Six 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
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
Lite Doc Mortgage Loan Lite Doc refers to a loan program necessitating 1-year full documentation of income and a 2-year work history. This requirement is
1099 Only Lite Doc Income Documentation Bank Statement Loan | 660 Credit Score – 90% LTV to $1,500,000 Minimum Credit Scores: Portfolio Non-QM Lender Guidelines
DSCR Debt Service Coverage Ratio Loan Program Debt Service Coverage Ratio Loan Program Guidelines and Requirements Experienced Real Estate Investors – 25 Financed Properties –
Jumbo and Super Jumbo Bank Statement Mortgage Self-Employed borrowers qualify for jumbo and super jumbo alternative income loans up to $10,000,000 with bank statement income
Self-Employed Home Loan 600 Credit Score Self-employed borrowers can qualify for an extensive line of alt doc home loans. 12 Months Bank Statements – 90%
Our ARV construction loan enables investors to finance the purchase and renovation of a property, leveraging the expected increase in value after repairs are completed.
How is Bank Statement Income Calculated? Total deposits, less business expense ratio, annualized, multiplied by the % of ownershipStandard 50/50 deposit to expense ratio is
DSRC Investor Loan Program Jumbo and Super Jumbo to $2,500,000 and Super Jumbo to $5,000,000 Purchase & Rate/Term Refinance: * 740 Credit Score | 90%
Second Mortgage Bank Statement Loan Loan Purpose: Purpose: Second Mortgage/ Cash Out/ Debt Consolidation (cash out can be used to meet reserve requirement) Alternative Self-Employed
Lite Doc and Reduced Doc Options: * Lite Doc – 12-Month Income Documentation Our alt doc mortgage loan program includes a Lite Doc option designed
Niche Multiple Bank Account Statement Mortgage Business and Personal Bank Accounts If it is your bank statements that are holding you back from an approval, this could be
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,
Reduced Doc | 12 Months Reduced Income Documentation and Reduced Employment Verification Documentation We can help new business owners or self-employed borrowers who experienced a
Second Mortgage Bank Statement Mortgage Program This program is ideal for the borrower that wants to protect their low-interest rate first mortgage and would prefer
12-Months and 24-Months Bank Statement 80% LTV Purchase up to $3,000,000 – 660 Credit Score with Six Months Reserves Cash Out Refinance up to $2,500,000
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
Hard Money Loans Unconventional Loan Programs We Offer – Guidelines and Highlights: Our mission is to help individuals, investors, builders, developers, foreign nationals, and all
Soft Money Mortgage Program Exceptions made to 75% LTV for qualifying counties in the state of California. This means that the pricing is less than
Nationwide Private Mortgage Lender This is a Private Money lender that has funded thousands of loans nationwide, and makes all decisions in-house with over $200,000,000
Non-Prime Alt Doc Self-Employed Program Non-Prime mortgages are not only for challenged credit borrowers, but also good and excellent credit borrowers that require a higher
This hard money lender will do primary residential loans which are somewhat rare. Similar to a Business Purpose Mortgage Loan Purpose: Purchase, Refinance, and Rate
High LTV Hard Money Jumbo Loan This hard money loan program can be applied to a variety of loan types including Fix and Flip, Blanket
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.
Jumbo Second Mortgage Alt Doc – Form 4506-T Not Required 80% LTV 2nd mortgage to $350,000 Alt-Doc for Self-Employed Borrowers and Full Doc for everyone.
Business Purpose Mortgages and Vesting Options This Loan Program is for Corporations, LLC’s, Partnerships This gives the “borrower” the option to vest the title of
Non-Prime – One Day Out of a Short Sale or Foreclosure This loan is for people that have recently either foreclosed or short sold their
Asset Depletion Jumbo Loan Self Employed and W-2 Wage Earner Co-Borrower ~ 660 Mortgage Credit Score – 80% LTV to 2 million ~ 640 Mortgage
Hard Money Super Jumbo Mortgage program Super Jumbo Loan Amounts: $5,000,000 and up to $10,000,000 on a case-by-case basis. Eligible Transactions Eligible for a variety
Stated Income Primary Residence Mortgage Program True Stated Income eligible on primary residence. Include multi-unit owner-occupied investment properties. Form 4506-C not required. This program can
Unique Investor Loan Program real-estate-investor-cash-out/Designed for real estate investors, this Bank Statement loan can qualify investor income and self-employment income in different or multiple accounts.
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
Jumbo Mortgage Portfolio Bank Loan – Highlights * Alternative Lite Doc income documentation: 1099 Only to $3,000,000 * This Bank Loan Super Jumbo is a
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
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
A lender committed to providing gap financing solutions 1st and 2nd Loan Packages Cross collateralization for larger loan sizes Fast underwriting decisions and funding Additional