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Unconventional loans fill the gaps left by traditional lending. If you’ve been turned down by a bank or need a faster, more customized solution—we can help you find a lender who sees the full picture.
Unconventional mortgages, also known as non-QM loans, are mortgage options for borrowers who don’t meet standard qualifying rules. These loans allow for alternative income documentation, flexible credit requirements, and creative financing solutions. See our list of unconventional mortgage lenders.
Borrowers who:
Are self-employed or gig workers
Own multiple properties or businesses
Have past credit issues (like foreclosure or short sale)
Need to qualify using bank deposits or assets
No need for tax returns or W-2s in many cases
Flexible debt-to-income (DTI) ratios
Asset-based qualification options
Available for primary residences, second homes, and rentals
Fast funding with less red tape
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
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
The DSCR (Debt Service Coverage Ratio) Loan Program is built for experienced real estate investors, allowing up to 25 financed properties—far beyond most investor loan
Jumbo Bank Statement Program – 620 Credit Score Self-Employed including Sole Proprietor 1099 Independent Contractors as well as W2 Commission Professionals. Now you can also
Jumbo Non-QM Bank Statement Loans offer self-employed and high-income borrowers a flexible way to qualify for jumbo mortgages without tax returns. Borrow up to $5
Flexible income documentation options with as little as 3 months of personal or business bank statements. This 3-month program is a streamlined alternative to 6-,
Stated Income Jumbo Construction Loan up to $10 Million for home builders. Short-term financing for construction projects—no 4506-T or 4506-C forms required. Ideal for builders
Second Mortgage Bank Statement Jumbo Loan. Flexible CLTV options with loan amounts starting at $250,000, up to 85% CLTV. Available for larger loans, with 80%
Bank Statement Mortgage – Wage Earner Jumbo and Super Jumbo Alt Doc Mortgage Purpose: Purchase, Rate/Term and Cash Out Lite Doc – W2 Wage Earner
12 month P&L statement along with 3 months bank statements to support P&L (10%-25% variance)..
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
The Non-Prime Bank Statement Loan (620 Credit Score) is a Non-QM non-traditional income documentation. qualifY using 1 to 24 consecutive months of recent bank statements—with
The 6-Month Bank Statement Mortgage 660 Credit Score program for borrowers with credit scores of 660 to qualify using six months of personal or business
Jumbo Purchase loan programs. Let us know if you have any questions. Please call Customer Service 800-718-8906 to speak with a Mortgage Expert or fill
This Jumbo Loan program helps borrowers that have experienced a credit event get approved for up to $4,000,000. Occupies include second homes, and investment properties
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
Manual Underwrite Super Jumbo Mortgage Super Jumbo Non-Conventional Mortgage Loan Program | Flexibility | Freedom | Buying Power Mortgage financing freedom ability available to purchase
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
Jumbo Bank Statement Loan to $5,000,000. Alt-doc qualifying with 12–24 month. bank statements, up to 55% DTI, and $2,500,000 cash-out available.
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 Investor Mortgage – $3,500,000 This investment property loan program provides up to $3,000,000 for purchases and rate-term refinances, with cash-out refinancing available
Our Bank Statement Mortgage Program offers self-employed borrowers and independent contractors a flexible financing solution without traditional income verification. Qualify using 24 months of personal
Sole Proprietor Super Jumbo Loan Program – $7,500,000 1099 mortgage loan income documentation can accommodate Sole proprietors, Independent Contractors, and Freelance Professionals. Non-Occupying Co-Borrowers OK.
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
Non-Prime Jumbo Program Loan Amount – $3,500,000 600 Credit Score Jumbo Mortgage Program, designed to provide accessible financing solutions for discerning investors. With loan amounts
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
Interest-Only Non-QM Jumbo Mortgage Product Interest Only – $2,000,000 Eligible Transactions: Purchase; Refinance – Rate/Term; Refinance – Cash Out Non-QM Mortgage Loans /”Interest-Only” Payment Option
Non-Qualified Mortgage Jumbo Programs This Non-QM mortgage product is from a Portfolio lender and has unique unseasoned employment and super jumbo loan amounts. Non-QM Income
Self-Employed Home Loan Program This kind of loan product is for the Self-Employed borrower that can produce a 1-year P&L along with a letter from
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
Self Employed 1099 Only and Bank Statement Home Loans This loan program is for home buyers and homeowners that have a few late payments or
12-Month Bank Statement Program expands its reach with low-doc qualifications for self-employed borrowers including sole proprietors and independent contractors, requiring only a 12-month average of
The Non-Prime True No Doc Mortgage Program is an equity-driven, alternative documentation option tailored for borrowers with unconventional income or documentation (like the self-employed, fixed-income
Alt Doc Multi-Unit Property Loans for to see, research, and utilize. Customer Service 800-718-8906 or see our “Pre-Qualification Form – No Credit Check” form above.
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
Alt Doc Loans Bank Statement Loans Bank Statement Mortgages Jumbo Loan Programs Jumbo Loans
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
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
The One-Month Alt-Doc Bank Statement Jumbo program offered self-employed borrowers by allowing approval with only the most recent month’s bank statement—no tax returns required. This
Subprime bank-statement loan: Alt-doc financing using bank statements for income. Higher-risk, flexible qualification even with credit blemishes.
Access up to $750,000 with our Stand-Alone Second Mortgage Loan Program—no need to refinance your first mortgage. Available for primary and second homes, this program
True Stated Income 2025 | Forms 4506-T and 4506-C Not Required An alternative to the “bank statement loan” program for the well-qualified self-employed borrower. You
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
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
Portfolio Direct Lender is a direct lender with their own portfolio of loan products and programs, and they make their own Non-QM and Non-Prime manual
Bank Statement and Asset Depletion Non-QM loan program uses bank statements In lieu of Traditional Income Documentation to determine a borrower’s Ability-to-Repay. Agency – government
Non-Prime Mortgage Loan Program – 580 Credit Score Our Non-Prime Mortgage Loan Program is designed to help borrowers with less-than-perfect credit access home financing. Co-borrowers
Bank Statement Alt Doc Options Available – 2025 Updates We calculate your monthly income number (DTI purposes) before your loan is submitted to the underwriter
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 Purpose: *
The P&L Only Mortgage Loan Program provides a streamlined, alternative documentation solution for borrowers with complex or unconventional income. Instead of traditional tax filings, applicants
The Stated Income/Verified Assets (SIVA) Jumbo Loan Program, updated July 10, 2025, offers a high-net-worth, asset-based pathway to home financing without requiring tax returns or
The Bank Statement Loans highlights a suite self-employed borrowers that cannot provide conventional income documentation including the 12-Month Bank Statement option to enable qualification using
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,
Self-Employed Borrowers: Purchase 90% LTV, and Cash Out – 85% LTV ~ Self-employed borrowers can now take advantage of alternative income documentation with options to
Bank Statement Loans for Self Employed Borrowers Whether you’re purchasing your first home or expanding your real estate portfolio, these loans adapt to your income
Non-QM Mortgage Broker Loan Purpose: Purchase; Rate/Term and Cash Out Refinance; Construction; Commercial; Acquisition For the Super Jumbo Loan Program facilitated by our Non-QM Mortgage
Discover our comprehensive Bank Statement Non-Prime Loan Program, offering flexible solutions for diverse financial profiles on our Non-Prime mortgages.
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
Non-Prime Super Jumbo Bank Statement Loan – 600 Credit Score Non-Prime Bank Statement Loans provide financing for borrowers with a 600+ credit score. Self-employed individuals
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
3-Month Bank Statement Loan. Use either 3 months of business or personal bank statements as an alternative to the 6-month, 12-month, and 24-month programs. Ideal
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.
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.
Federal Tax Transcripts Not Required Qualifying Criteria for this loan program are Asset Based. This program can also be used to supplement additional alt doc
Unconventional Mortgages and Loans High 95% LTV Cash Out Financing 5% Down Payment for your Jumbo purchase or 95% LTV Jumbo financing for Rate /
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.
The Hard Money Super Jumbo Florida Mortgage Program offers rapid, equity-based financing—supporting purchase, rate-and-term, and cash-out refinances—for loan amounts starting at $5 million and extending
Jumbo Second Mortgage – Alternative Documentation Options A Jumbo Second Mortgage allows qualified homeowners to tap into up to $500,000 in equity while keeping their
The 90% LTV – 12-Month Bank Statement Jumbo Loan caters to self-employed borrowers—especially sole proprietors—by allowing income qualification using either a year of bank statements
1099 Only mortgage for Independent Contractors with one or two year self-employment histor.
Portfolio Prime Loan Program Overview The Portfolio Prime Loan Program is designed for borrowers with strong financial profiles who may not qualify for conventional or
Alternative Income Second Mortgage Non-QM lender offers a closed-end, fixed-rate structure tailored for the needs of self-employed individuals and real estate investors. With a minimum
Self-Employed Borrower Income Documentation Portfolio direct lender functions as a direct lender boasting its unique portfolio loan of products and programs. They autonomously determine Non-QM
Manual Underwriting Loan Programs Flexible Mortgage Solutions with Manual Underwriting Manual underwriting is designed for borrowers who may not meet traditional automated underwriting requirements. Instead
The 1099 Mortgage Program makes qualifying easier for self-employed borrowers. Only one year of 1099 income is required—no full tax returns—offering high loan amounts, flexible
Our Stated Income / Verified Assets Mortgage Program offers flexible financing for self-employed borrowers with strong assets and non-traditional income. No tax returns required—just verified
Maximum Loan Amount: $4,000,000 Cash Out: $1,500,000 Specialized lender leads the way in the Non-Prime niche mortgage lending space with over 50 years of collective
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
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
Super Jumbo Investor Mortgage | DSCR. A specialized DSCR loan program for real estate investors with a minimum credit score of 620. Offers up to
Foreign Nationals are buying properties now more than ever which means good & effective Buying Power for the foreign national and also more and more
Prime & Non-Prime | Self-Employed Borrowers Our Investor Bank Statement Loan program caters to borrowers who thrive outside the conventional lending box. As a portfolio
Alt-Doc for Real-Estate Investors: Rent & business bank statements, lease income or Airbnb qualify. Flexible docs, no tax returns required.
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.
Below is a list of some of our Refinance “Jumbo” loan programs. Let us know if you have any questions. Customer Service 800-718-8906 to speak
Our 24-Month Bank Statement Program offers a streamlined alternative: instead of relying on tax returns, you can qualify using up to two years of business
12 Months Income Alternative to 24 Months As an alternative to the standard two years of income documentation, we have two options for you: either
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
1099 Only loan programs are for Sole Proprietors. Independent Contractors can utilize one or multiple 1099’s for the previous 1 or 2 years. “Reduced Doc”
The 12-Month Bank Statement Loan is designed for self-employed and 1099 borrowers who prefer simplified documentation. Instead of tax returns, approval is based on bank
Flex Supreme, a leading Non-QM loan program offering top-tier pricing for financially stable borrowers with or without credit challenges. Ideal for non-prime lending solutions.
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.
Bank Statement Employment Documentation: Verify self-employment with CPA letter or license. Qualify with 12–24 months statements, no tax returns required.
Asset depletion mortgage: Use liquid assets (cash, investments, retirement) as qualifying “income.” No W-2s or tax returns required—ideal for asset-rich borrowers.
We have a broker/wholesale lender network with all the top Non-QM Lenders in the United States. As a broker, Non-QM mortgages is our expertise. Contact
Second mortgage bank statement loans are crucial for self-employed individuals who may not qualify for traditional loans due to irregular income or complex tax returns,
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
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
Debt Service Coverage Ratio (DSCR) – No Ratio program for real estate investors up to $5,000,000. Eligible for purchase and cash-out refinance with no employment
The Non-Qualified Mortgage Jumbo (55% DTI) program is designed for borrowers who may not have traditional documentation like tax returns, W-2s, or pay stubs. It
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.
This 12-Month Bank Statement Jumbo Loan is tailored for self-employed borrowers and those with alternative income sources. Qualify for up to 90% income deposit utilization
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
Jumbo Second Mortgage | Alt Doc + Minimum Mortgage Credit Score: 680 Available Terms – 15- or 20 Year Fixed Rate Second Mortgages. Available for
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
Loan Purpose:PurchaseRate and Term RefinanceCash-out refinanceIRS 1031 Exchange for any borrower. Tax and insurance impounds required 12 Month Mortgage CreditSubject property and the borrower’s primary
Reduced Doc | 12 Months We can help new business owners or self-employed borrowers who experienced a greater amount of income last year compared to
Purchase or Cash Out Refinance options available with a minimum 620 credit score. The Real Estate Investor Program provides flexible income documentation, including Full Doc
DSCR loans remain a top choice for real estate investors. We offer flexible guidelines using income from both long- and short-term rentals, and can qualify
Self-Employed Mortgage One Month Bank Statement Option One-Month Bank Statement Loan for Self-Employed: A flexible mortgage solution for purchases, rate/term refinances, and cash-out options. Ideal
One Month Bank Statement Loan Program for self-employed borrowers. A flexible solution allowing qualification with just 1 month of bank statements, ideal for those seeking
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
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
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
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
Nationwide Private Mortgage Lender Unique mortgage loan program designed for the Residential Real Estate Investor This is a Private Money lender that has funded thousands
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
1 Year Full Doc Program – Reduced Employment Reduced doc loan program is for both W2 Wage Earner and Self-Employed borrowers. 1099 Only loan programs
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
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
Looking for flexible financing that goes beyond conventional loan requirements? This Non-Prime Loan Program is designed for borrowers who need tailored solutions—whether due to unique
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+
Jumbo Purchase Loan for the First-Time Homebuyer to $1,000,000 Eligible Transactions: Purchase. See refinance loans Loan Amounts to $2,500,000 Financing up to $2,500,000 with options
No Income verification super jumbo Loan up to $30 Million. Access high-value financing without income documentation or employment history. Ideal for self-employed, retirees, day traders,
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
Income Documentation Alternative for the Well Qualified Self-Employed Borrower November 2024 Stated Income Loan – Tax Returns Not Required This Stated Income Mortgage loan program
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
Jumbo Loan Amounts: Up to $3,000,000 – 85% LTV Tap into your home’s equity with a jumbo cash-out refinance—borrow up to $2,500,000 with a maximum
Condo Mortgage Program 90% LTV to $2,500,000 Purpose: Purchase, Refinance Cash Out * 90% LTV – $2,000,000 – 700 Credit Score * 90% LTV – $1,500,000 –
Manufactured Home Loan Programs 680 Credit Score, Minimum 50% – Maximum Debt-to-Income Ratio DTI No Cash Out All Automated Underwriting Owner-Occupied Only FHA Maximum LTV:
Asset Depletion Income Program to 90% LTV Our asset depletion programs can also qualify your business as well as your personal bank (100% gross deposits)
Jumbo Cash-Out Refinance Loan – DTI to 55% Jumbo Mortgage Cash-Out Refinance – 680 Credit Score This special jumbo cash-out refinance loan program allows homeowners
Cash Grant for Repairs This is a government program available to most borrowers. The government likes it when a homeowner buys in a rough area
Self-Employed Borrowers – Forms 4506-T / 4506-C Not Required This Alt Doc Home Loan program allows you to qualify using bank statements, providing a flexible
Hard Money Loan Program Guideline Overview Interest-Only Payment Term Available * Loan Amounts: * $250,000 – $7,500,000 Property Types: * SFR (Single Family Residence) *
Conventional Lender – Minimal Overlays The condition “Purchase: Source & season Earnest Money Deposit in the amount of $XXXX is usually not required. Stock and
Portfolio Mortgage Program Highlights 2024 * FHLMC Super-Conforming * FNMA unpermitted space ok if documented per guidelines * Transferred appraisals ok on most programs- *
Super Jumbo Second Mortgage Home Renovation Loan Program Renovations are hard work. Get your financing in line. Feel comfortable and confident your financing needs are
Nontraditional Credit Loan Program | 620 Credit Score Required This loan is for borrowers that don’t have or don’t have enough traditional credit; credit that
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
This loan program can be a “stand-alone” second mortgage or used in conjunction with a first mortgage close usually to achieve the desired LTV. 720
96.5% LTV with 630 Credit Score Purchase and Rate and Term Refinance Only. No Cash Out 55% Maximum Debt Ratio DTI * Owner Occupied Only
Loan Purpose: 97% LTV Purchases Rate/Term and Cash Out Refinance Unlimited acreage I multiple parcels Max Loan Amount $550,000 Terms: Fixed & Arms available Eligible
Real Estate Investor Program SFR, Condos, 2-4 Units Investors,1-10 Financed Properties allowed even if non-owner occupied 10-, 25- and 40-Day Locks Available on All Loans
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