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 program provides self-employed borrowers with an alternative to traditional income documentation. Use personal or business bank statements for up to 24
Non-QM Mortgage Broker Service We determine your qualifying income down to the dollar before you go through the full application process, credit check, and preliminary
Prime and Non-Prime Bank Statement Options | Self-Employed Borrowers Portfolio Direct Lender is a specialized direct lender offering an exclusive portfolio of loan products and
Refinance Jumbo Loans Jumbo Refinance Loans We Offer – Guidelines and Highlights: | 800-718-8906 Contact a Loan Officer Please enable JavaScript in your browser to
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, which allow real estate investors to qualify based on property cash flow rather than personal income.
Benefits
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,
Investment Property Cash Out Refinance Loans – Investment Property Loans – Guidelines and Highlights: | 800-718-8906 Contact a Loan Officer Please enable JavaScript in your
Unconventional Investment Property Cash Out – Cash Out Investment Property Loans – Guidelines and Highlights: | 800-718-8906 Contact a Loan Officer Please enable JavaScript in
Investment Refinance Loans. Below is a list of some of our Refinance “Investment Property” loan programs.
Let us know if you have
Explore our array of Alt Doc Multi-Unit Refinance loan options tailored for real estate investors. For inquiries, reach out to our Customer Service team at
Alternative income and employment documentation investment property purchase loans for both owner-occupied and non-owner occupied for to see, research, and utilize. Call customer Service @
For Investors looking for the right construction loan for their next purchase or refinance loan. Below are actual loan programs we can offer to our
Super Jumbo Construction Loans – Below is a list of some of our “Super Jumbo” Construction loan programs.
Let us know if you have
Multi Unit Property Loans – Guidelines and Highlights. Below you will see some of our “Multi Unit” loan programs for both Owner-Occupied and Non Owner-Occupied
Below is a list of some of our “Multi Unit” loan programs for both Owner Occupied and Non Owner Occupied borrowers. Questions? Call and speak
Super Jumbo refinance loan program details, qualifying criteria, etc.
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 hard money asset-based stated income / No Doc loan program is designed for borrowers who need an asset-based lending
Guidelines and Highlights: Below is a list of some of our “Investment Property” loan programs. Let us know if you have any questions. Discover your
Below is a list of some of our “Investment Property” Purchase loan programs. Questions? 800-718-8906 to get in touch with a qualified Mortgage Loan Officer.
Bank Statement Second Mortgage Loan Program A Stand-Alone Second Mortgage, also known as a second lien mortgage, allows borrowers to access home equity while keeping
Self-employed individuals seeking mortgages often encounter challenges in verifying their employment status. However, various Verification of Employment (VOE) documentation option programs exist to address this
Self-employed borrowers often face unique challenges when it comes to providing tax returns for loan applications. Traditional lenders typically require tax returns to verify income
Rehab loans are frequently utilized by our Fix-n-flip investor clients, catering to their unique needs in real estate ventures. Our focus extends beyond conventional options,
Real estate investors, discover your pre-qualification options and unlock your potential for success. At our firm, we thrive when you succeed, and we’re committed to
In the realm of mortgage lending, a “non-warrantable” condominium denotes a property that does not meet the criteria for Fannie Mae or Freddie Mac purchase.
Portfolio Lender Home Loans A portfolio mortgage lender offers customizable financing solutions that set it apart from conventional lenders. With in-house underwriting processes, loan approvals
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
Hard money jumbo loans in California offer flexible financing with no personal income verification, allowing borrowers to qualify based on liquid assets for reduced investor
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
Super Jumbo Investor Mortgage | DSCR. A specialized DSCR loan program for real estate investors with a minimum credit score of 620. Offers up to
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
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
Bank Statements Jumbo Mortgage with a 3-Month Program. Use either business or personal bank statements as an alternative to the 6-month, 12-month, and 24-month options.
Asset Qualifier Portfolio Mortgage with asset-based income documentation. Ideal for borrowers using 1099s (sole proprietors) to demonstrate ability to repay. Allows DTI ratios up to
Non-Prime Super Jumbo Loans up to $5,000,000 for self-employed borrowers. Use 12 or 24 months of business bank statements to demonstrate your ability to repay,
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 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
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. Income
Bank Statement Mortgage Program for Self-Employed Borrowers Purchase, Rate/Term, and Cash-Out – Up to $12,000,000 Key Benefits of Bank Statement Mortgages * Accepts Personal and
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
The 12-Month Bridge Loan Program provides short-term financing that allows borrowers to access the equity in their property prior to its sale. Loan amounts range
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
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
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 Bank Statement Loan – Qualify with just 1 year of income and employment verification. Ideal for self-employed borrowers with a 660+
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 with credit scores as low as 600 can access flexible home financing through our alt doc mortgage
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 –
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 – No Income Verification Qualify for a self-employed mortgage with loan amounts up to $5,000,000 and a 760 middle mortgage credit
Second Mortgage Bank Statement Loan A Second Mortgage Bank Statement Loan is an ideal solution for homeowners looking to access their home equity without traditional
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
24-Month Business & Personal Commingled Bank Account Mortgage. A specialized program allowing the use of both business and personal bank statements for qualification. Perfect for
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
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
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
Unconventional Business Purpose Mortgage Loan A Business Purpose Loan is a unique mortgage program designed for primary residences. It is a type of stated income
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
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 Jumbo Second Mortgage $350,000 – Get a jumbo second mortgage up to $350,000 with an
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
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
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
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
Primary Borrower – Self-Employed Home Loan 222 Bank Statement Loans are ideal for self-employed borrowers, defined as those with at least 25% ownership in a
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
Super Jumbo Bank Financing up to $30 Million. Portfolio mortgage with flexible Lite Doc options, including 1099 Only income documentation up to $3M. Designed for
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
Interest Only Loans provide borrowers with initial payment flexibility by allowing them to pay only the interest for a set period, typically the first ten
The following Inherited Property Loans do not require the standard 12 months title seasoning. Talk to a Loan Officer: 800-718-8906.
Hard money loans offer real estate investors valuable financing options with quick approval process and flexible terms. These loans are especially beneficial for investors seeking
Bank statement loans present an advantageous financing avenue tailored for self-employed individuals seeking mortgage options. These loans allow applicants to leverage their bank statements as
Explore our range of Alternative Income Documentation (Alt Doc) loan programs tailored to meet various borrower needs. Below, we present a selection of these programs,