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Unconventional Mortgage Lending

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.

When an Unconventional Mortgage Makes Sense:

* 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, P&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.

Types of Non-Traditional Loans We Offer:

* Bank Statement Loans
* Asset Depletion Programs
* DSCR Loans for Investors
* Foreign National Financing
* Stated Income & No Ratio Options
* Hard Money & Bridge Loans

Work with Experts in Creative Mortgage Lending

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.

Contact a Loan Officer

Rescore Guidelines

Rapid Rescore Guidelines Rapid Rescore Documentation Guidelines A rapid rescore may help update specific credit report information when acceptable documentation is available. The credit bureaus

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No Ratio Loans

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..

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Refinance Jumbo Loans

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,

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Credit Score Simulator

Credit Score Simulator Tools Our What If Credit Simulator offers four essential services to enhance your financial planning. With its intuitive interface, it simplifies complex

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Bank Statement Loans | Alabama

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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Non-QM Lending

Non-QM mortgage loan programs offer an alternative to traditional mortgage loans, catering to borrowers who may not meet the stringent criteria of conventional loans. These

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Second Mortgages

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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Alt Doc Loans | Alabama

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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Bank Statement Loans | California

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

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Cash Out Refinance Loans

Cash Out Refinance Loan Programs Cash Out Refinance Loan Programs We Offer – Guidelines and Highlights: Contact a Loan Officer Alternative Income Documentation Contact a

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Investment Cash Out Loans

Investment Property Cash Out Loans Cash Out Investment Property Loans – Guidelines and Highlights: Contact a Loan Officer Alternative Income Documentation Contact a Loan Officer

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Jumbo Purchase Loans

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

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Jumbo Loans

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

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Multi Unit Property Loans

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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Super Jumbo Loans

Please see additional guideline and highlight information below on our “Super Jumbo” loan programs.

Speak to a live Loan Officer at (800) 718-8906,

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Investment Property Loans

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

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Jumbo Construction Loans

Jumbo Construction Loans – Guidelines and Highlights. Below is a list of some of our “Jumbo” Construction loan programs. Let us know if you have

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HELOC

* HELOCS when you want to keep our low rate on your first mortgage. See below for more loan program details.

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Investment Purchase Loans

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.

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Non-Prime Niche Mortgages

Our Non-Prime jumbo mortgage loan programs offer flexibility for borrowers that need it because they don’t meet traditional lending criteria. As a Non-QM mortgage broker,

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Non-Qualified Investor Mortgages

Investor mortgages, also known as investment property mortgages or rental property mortgages, are home loans specifically designed for individuals or entities who intend to purchase

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All Purchase Loans

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

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All Loan Programs

We have access to hundreds of lenders and in effect 1000’s of loan programs. Below you will see examples. Questions? Connect with a local Loan

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Non-Qualified Mortgages

Non-Qualified Home Loans Non-Qualified Mortgages (Non-QM) are designed for borrowers with excellent, good or re-established credit. Key Participants in the Non-QM Investor Markets. The Non-QM

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Alternative Documentation

Consider our popular alternative loan programs: Stated Income Loans, Asset Depletion Loans, Bank Statement Loans, and No Doc Loans. These options offer flexible financing solutions

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Quick Close Mortgage

Fast Close Mortgages​ Quick Close Mortgage Service is designed for borrowers who require speed, certainty, and execution. Our close-of-escrow date commitment is driven by C-level

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Self-Employed Borrower Mortgages

Loan Solutions for Self-Employed mortgage borrowers. Self-employed individuals seeking mortgages often encounter challenges in verifying their employment status. However, various Verification of Employment (VOE) documentation

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Tax Returns Not Required

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

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Rehab Loans

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,

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Real Estate Investor Loans

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

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Non-Warrantable Condos

We make non-warrantable condos easy. No reserves needed if LTV is 75% or below, up to 5% deductible allowed (industry max), and 20% single-entity ownership

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Non-Occupant Co-Borrower

Non-occupant co-borrower income can play a crucial role in determining the primary borrower’s qualifying debt ratio and back-end DTI eligibility. Non-occupant co-borrowers allowed on refinance

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No Doc Loans

No Doc loans offer self-employed and investor borrowers the chance to buy real estate or refinance mortgages without submitting income or asset documentation. These programs,

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Foreclosure Resolution

Foreclosure Resolution Form – No Credit Check If you have received a Notice of Default (NOD) or Foreclosure Notice, please complete this form as accurately

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Service Clarification

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

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Mortgage Brokers

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

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Reduced Doc Loans

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

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Non-QM Foreign National Mortgage Loans

Non-Qualified Foreign National Mortgage Lenders and Loan Programs.

For foreign nationals seeking U.S. property investments, non-qualified foreign national lenders offer specialized lending options. These lenders

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Bank Statement Loans

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.

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Bank Statement Loans | Arkansas

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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Bank Statement Loans | Indiana

Indiana Bank Statement Loans We Offer | 800-718-8906 Contact a Loan Officer Bank Statement Loans by State: Alt Doc Loans by State: Alternative Income Documentation

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Alt Doc Loans | Wisconsin

Alternative income documentation and employment documentation loan programs for investors and Self-Employed borrowers in the state of Wisconsin. (go Bears)

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Bank Statement Loans | Idaho

Idaho Bank Statement Loans We Offer | 800-718-8906 Contact a Loan Officer Bank Statement Loans by State: Alt Doc Loans by State: Alternative Income Documentation

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Alt Doc Loans | Delaware

Delaware Alt Doc Loans We Offer | 800-718-8906 Contact a Loan Officer Alt Doc Loans by State: Bank Statement Loans by State: Alternative Income Documentation

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Business Purpose Mortgages

Primary Residence Business Purpose Mortgage Loan A Business Purpose Loan is a unique mortgage program designed for primary residences. It is a type of primary

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Refinance Loan Options

Refinance Loan Options We specialize in Non-QM mortgage alternatives, offering flexibility beyond conventional lending criteria. Non-QM loans are for borrowers who do not qualify for standard

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Credit Resolution Form

Complete this form and a Credit Specialist will contact you soon. Credit Resolution Form Please enable JavaScript in your browser to complete this form.Please enable

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Mortgage Solutions

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

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Stated Income/Verified Assets

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.

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Stated Income/Stated Assets

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

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Unconventional Construction Loans

Unconventional Construction Options A construction loan is a short-term financing tool designed to fund the costs involved in building a real-estate development. These loans can

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Who We Are

Who We Are Our network represents hundreds of years of collective mortgage origination and loan officer experience, offering both consumer-purpose and business-purpose financing solutions for

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Frequently Asked Questions

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

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Credit Reports and Scores

Credit Reports and Scores The higher your credit score, the more creditworthy you become. And ultimately, that’s what lenders are all about minimizing risk by

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Credit Management

Credit Management & Service You maintain your credit for the same kind of reasons you maintain your car or your body. It’s important now and

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Rapid Rescore

Why Choose a Credit Rescore A credit rescore can help improve your credit score quickly, often within 3 business days to correct, update, or remove

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Credit Analyzer

Credit Analyzer Receive a specialized analysis and report on the intricate details of your credit report. This comprehensive assessment delves deep into your credit profile,

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Purchase Loan Options

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

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First Time Home Buyers

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

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Why Use a Mortgage Broker?

Why Choose a Non-QM Mortgage Broker? A Non-QM mortgage broker provides borrowers with access to a broader network of lenders, competitive wholesale interest rates, and

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Seeking an Approval

Your Mortgage Approval Pre-approved, Approval with Conditions (CLA/conditional loan approval), Clear to Close (CTC). If you need a quick close, start with Pre-Qualification Form. This

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Speed Up Process

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

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Bad Credit Mortgages and Loans

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

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Mortgage Flexibility

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

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Creative Financing

Creative financing offers adaptable structures for complex borrower profiles and investment scenarios. We specialize in Non-QM and alternative mortgage programs.

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Application Process

Application to Close of Escrow​ Looking for a quick close? Let’s follow your mortgage application. Where does it go and why? Items you may need.

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Current Lender Niches

The benefit of both of the following niche loan program examples is an acceptable debt-to-income ratio.
Lenders have unique underwriting guideline variances. For example,

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Second Mortgage Loans

Second Mortgage Loan Options Second mortgage loans allow qualified property owners to access equity while keeping their existing first mortgage in place. Available products include

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Interest Only Loans

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

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Hard Money Loans

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

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Bank Statement Mortgages

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

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Alt Doc Loans

This loan program list is comprised of alternative documentation (Alt Doc) mortgage programs, which are designed for self-employed borrowers who may not have traditional income

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Credit Score Specialist

Credit Score Specialist We have a relationship with credit repair companies, and we also have actual lenders with their dedicated department of Credit Score Specialists.

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What is BrokerMortgages.com

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

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Mortgage Glossary

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

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Mortgage Broker Terminology Guide

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

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Contact a Loan Officer

Non-QM Mortgages

Loan Programs

Lender Pages

Alternative Income Documentation

Bank Statement Second Mortgages

DSCR Mortgage Loans

Stated Income Loans

Bank Statement Refinance Loans

Hard Money Lenders and Loans

Three Month Bank Statement Loans

Latest Loan Programs

No Doc Mortgages

Alt Doc - Purchase Loans

Alt Doc - Refinance Loans

Second Mortgage Niche Loans

Asset Depletion Mortgages

Cash Out Refinance Loans

One Month Bank Statement Loan

Jumbo Bank Statement Mortgages

Niche Loan Programs x 3

Non-Prime Bank Statement Mortgages

Non-Prime Mortgage Lending

Self-Employed Mortgages x 3

All Bank Statement Loans

Credit Score Tools

Service Application Tools