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Not every borrower qualifies for traditional financing—and that’s where unconventional mortgages come in. These non-traditional loan programs are built for borrowers with unique income, credit, or property scenarios. Whether you’re self-employed, investing, or recovering from a credit event, we offer flexible solutions to help you move forward.
* Your income is hard to document using W-2s, Paystubs, Profit & Loss Statements, or tax returns (all applicable schedules), Liquid Asset Statements, etc. * Have experienced a ”life event” such as: a bankruptcy, foreclosure, or other credit issues * Alternative Income Doc Type such as bank statements, 1099, &L Only with and with out bank statements, etc. * Alternative Employment Doc Type such as: CPA (or equivalent e.g. book keeper) Letter (minimal verbiage), Internet Business Listings (IBL), Borrower Prepared (and unaudited) P&L Statement, Blacked Out Schedule C,, etc. * Alternative Income & Employment (12 month history) Reduced Doc Type such as 12 month bank statement loans, 1-year 1099 Only, 12 Month P&L Only * >43% DTI. 55% DTI Lenders and Loans * Interest Only term * Term >30-year amortization * Cash out refinance and unseasoned title but need to use market value LTV-wise. * >30-year amortization. 40-year Amortization Lenders and Loans. 40-year Amortization with Interest-Only * Super Jumbo Loan Amounts > $4,000,000 * Stated Income SISA & SIVA and No Doc on Primary Residence * No Ratio Loan Programs
We connect you to lenders that specialize in real-world underwriting—not just numbers on paper. From first-time buyers to seasoned investors, we help you find the right loan—even if it doesn’t fit the usual mold.
Portfolio lenders usually have the most unique loan programs. However, there are unique guidelines variances among most core Non-QM lenders. Examples of niche loan programs
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,
Unconventional Mortgages and Loans From conventional to unconventional and everything in between, we excel in helping borrowers secure appropriate real estate financing. Our goal is to approve
Application to Close of Escrow Looking for a Quick Close? Let’s follow your application. Where does it go and why? Items you may need. Let’s
Creative Mortgages and Loans Creative Financing: These mortgages may employ unique financing structures, such as shared equity arrangements where the lender shares in the property’s
A No Ratio loan requires your employment to be listed in the income section of the 1003 application, but no ratios are calculated or qualified..
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
Stated Income and SIVA Options: Stated income loans cater to self-employed individuals or investors with or without liquid reserve requirements who prefer simplified income verification.
For borrowers seeking minimal documentation, the Stated Income/Stated Assets (SISA) option provides an easy and opportune loan approval, focusing on stated financial details rather than
First Time Home Buyer Reserve guidelines are favorable at 6 months. Full Stock(s) value, bonds, and Vested Retirement. No additional reserves needed for additional Real
Mortgage Flexibility Adjustable-rate mortgages (ARMs) can remain an appealing option even when interest rates are low. The key factor in deciding if an ARM suits
Why Choose a Non QM Mortgage Broker Mortgage brokers offer access to wholesale interest rates—often lower than what individuals can secure directly from banks—combined with
Get Approved for Your Mortgage Pre-approved, Approval with Conditions (CLA/conditional loan approval), Clear to Close (CTC). If you need a quick close, start with Pre-Qualification
Mortgage Broker Terminology Guide 80/20 Combo Loan” – 80% LTV 1st mortgage and 20% CLTV (combined loan-to-value) second mortgage with concurrent closings. ARM – Adjustable Rate
Who We Are We are an online mortgage website that offers real financial solutions. Not all loan products are for everybody, regardless of employment type,
No Doc, No Ratio, Asset Depletion, Bank Statements. P&L Only, 1099 Only, Stated Income (employment / Income blank) available to include Business Purpose Owner-Occupied Primary
Items to Have to Speed Up Approval and Escrow Process Did you recently fall out of escrow, and you need a fast close? Whatever the
About Us We are a direct-to-consumer network of NMLS licensed mortgage brokers and loan officers. Could be the only thing holding you back from the
Comprehensive Glossary of Mortgage Terms Navigating mortgage jargon can feel like learning a new language. This guide speaks clearly – whether you’re a first-time homebuyer
Mortgage Broker and Wholesale Lender Terms Glossary Adjustable-Rate Mortgage (ARM): a mortgage that changes interest rate periodically based upon the changes in a specified index. Adjustment
Frequently Asked Questions Our hours are Monday through Friday, 6am to 7pm PST. Questions? (800) 718-8906. Is There Any Cost to Apply? No. BrokerMortgages.com does
Need a Quick Closing? Do you now have an executed purchase contract in place with a scheduled close date to contend with? Do you have
Don’t Run My Credit – Pre-Qualification Form Please complete this form as accurately as you can to the best of your knowledge. If you do
Alternative Mortgages and Uncommon Service It could be the only thing that separates you from your new mortgage is the wrong loan officer. Most Loan
Loan Scenario Form – Credit Check Not Required With the following information, we will shop your scenario (not your personal information) with hundreds of wholesale
Second Mortgage Loan Options Our Non-QM Closed-End Seconds program offers flexible financing solutions for owner-occupied, second homes, and investment properties. With a maximum CLTV of
Purchase Loan Options All across the United States, borrowers are not receiving the quality mortgage service. Our lenders specialize in sensible underwriter guidelines, sensible loan
Non-Qualified Mortgages (Non-QM) are designed for borrowers with excellent, good or re-established credit. Self-employed borrowers who cannot show their income documentation, tax returns, schedules, 1040,
Refinance Loan Options In addition to traditional refinance options, we specialize in Non-QM mortgage alternatives, offering flexibility beyond conventional lending criteria. Non-QM loans cater to borrowers who
Construction Loan Options A construction loan is a temporary financing solution designed to cover the costs associated with building a real estate project. While the
We offer a wide variety of Bank Statement loan programs with expanded underwriter guidelines from the best Non-QM lenders in California from the leading Investors.
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
Investment Refinance Loans. Below is a list of some of our Refinance “Investment Property” loan programs.
Let us know if you have
Alt Doc Jumbo and Super Jumbo loan programs for you to see, research, and utilize. Call customer Service @ (800) 718-8906 or see our Pre-Qualification
Below is a list of some of our “Super Jumbo” Purchase loan programs. If you have any questions about our jumbo or super jumbo loan
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 @
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
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
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.
We have hundreds of purchase loan programs. Below are some pretty good examples of what you could potentially qualify for and what we can offer
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
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
Cash Out Refinance Loan Options Cash-out refinancing with a Non-Qualified Mortgage offers homeowners and investors access to home equity without traditional income requirements. Designed for
Please see additional guideline and highlight information below on our “Super Jumbo” loan programs.
Speak to a live Loan Officer at (800) 718-8906,
Super Jumbo refinance loan program details, qualifying criteria, etc.
California, the world’s fifth-largest economy, is home to a diverse entrepreneurial landscape where traditional income verification methods may not suit self-employed professionals, freelancers, and business
Please complete this form as accurately as you can to the best of your knowledge. If you do not know or are unsure of an
Contact a Non-Qualified Mortgage Loan Officer Would you like additional information on our loan programs or lender programs? Please fill out the short form below.
We have a wide variety of Jumbo Loan programs for you to research. Our jumbo mortgage loan programs offer aggressive reduced documentation options for borrowers
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
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There are about 490,000 self-employed people living in arkansas period fewer than 10% will qualify on a full income documentation program.
Arkansas Bank Statement Mortgage
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Alabama’s self-employed workforce continues to grow, with many entrepreneurs, freelancers, and small business owners seeking flexible mortgage solutions. Traditional home loan qualification methods often pose
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Featured Loan Programs
Featured Loan Programs – Guidelines and Highlights:
All Refinance Loans All Refinance Loan Programs We Offer – Guidelines and Highlights | 800-718-8906 Contact a Loan Officer Please enable JavaScript in your browser
Super Jumbo Investment Loans Unconventional 1099 Only Loans – Programs We Offer | Guidelines and Highlights: Contact a Loan Officer Please enable JavaScript in your
We have 100’s of refinance loans for you the borrower. Cash Out refinance loans and Second Mortgages
We have every type of refinance R/T and cash out programs for you to utilize for your next investment property.
Questions? Speak to a Loan
Alt Doc Multi-Unit Property Cash Out Loans for to see, research, and utilize. Customer Service 800-718-8906 or see our “Pre-Qualification Form – No Credit Check”
Refinancing a jumbo loan? We offer creative jumbo refinance solutions for high-value properties that don’t fit traditional lending guidelines. Whether you’re seeking lower rates, cash-out,
Jumbo Construction Loans – Guidelines and Highlights. Below is a list of some of our “Jumbo” Construction loan programs. Let us know if you have
Super Jumbo Construction Loans – Below is a list of some of our “Super Jumbo” Construction loan programs.
Let us know if you have
Discover the possibilities with our range of “Multi-Unit” loan offerings tailored for both Owner-Occupied and Non-Owner-Occupancy types. Whether you are seeking financing for your primary
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A detailed list of Alt Doc mortgages for the state of Alabama for purchase, refinance and cash out.
Alabama Alt Doc Mortgage loan list.
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Fast Close Mortgages If you need a quick close, start with Pre-Qualification Form. This will give us the ability to properly serve you going forward. Leverage
A mortgage broker acts as your advocate, simplifying the home loan process by connecting you with lenders that suit your unique financial situation. For self-employed
A mortgage information resource, a detailed list of current lender niche mortgage loan programs – a wide variety of mortgage loan programs for you to
Hard Money Loan Pre-Qualification Form – No Credit Check This application form is for Hard Money, “Soft Money”, and Private Money applicants. Fill out this
Last Update: 11/05/2024 Bank Statement Business Description for Bank Statements + 1099 Only Programs 12 or 24 Most Recent Consecutive Monthly Bank Statements. Must verify
Business Purpose Loan Program is designed specifically for investors seeking financing for income-generating real estate. These loans are commonly used by seasoned real estate investors
A mortgage loan can often be a valuable tool for various purposes, whether for personal needs or business ventures. Our Mortgage Loan Programs may be
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Got a low interest rate on your 1st mortgage. Cool. Keep it where it is and take a look at some of our stand Alone
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