“Non-QM Tips & Tricks” on Bank statements, 1099 Only and K-1 Only. Tax Returns, Transcripts – Not Required. Top Rated Non-QM lender in the United States.
* Bank Statement Programs: 1- Month, 2- Months, 3- Months, 6- Months, 12- Months, and 24- Months
* 12 Months Personal Bank Statement Program – 100% deposit utilization. Multiple bank accounts from both personal and business accounts with credit scores down to 620 to 80% LTV and 660 to 90% LTV.
* Borrower Prepared P&L Statement should be supported with business bank statements. Can “gross up” P&L 115%.
* Expense Factor 15% to 85% depending on your realistic numbers based on business scope including industry, service/product/manufacturing, B2B, B2C, etc. CPA, Tax Professional or Business Associate Prepared P&L
W2’s wage earner full doc income, 1099 sole proprietor business, rental income, distribution payment (unseasoned OK), asset utilization, social security, child support, alimony, Airbnb, side business. Transfers from other accounts must be sourced and not seasoned.
* No Ratio – 80% LTV. ADU Income OK. 620 Credit Score. Gift Funds
* No employment or REO conditions, 75% LTV to $$4,000,000, 70% to $4,500,000 and /65% LTV to $5,000,000 maximum loan amount
Eligible Reserves:
* Cash Out can be used for reserve requirements
* Bitcoin is now accepted as liquid assets for qualifying purposes, down payment, closing costs – OK.
* First Time investors Available – Jumbo Loans to 90% LTV
Available Terms:
30 and 40-Year Fixed and Interest Only Options on Fixed Rate
Non-QM Mortgage Consumer-Direct Lender Network Covers All 50 States
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
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
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
3 Month Bank Statement Loan Program – 2024 Our flexible loan options cater to those who have had an exceptional last 3 months. Instead of
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
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%
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 –
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
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
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
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
Jumbo Mortgage Portfolio Bank Loan – Highlights * Alternative Lite Doc income documentation: 1099 Only to $3,000,000 * This Bank Loan Super Jumbo is a