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Discover the Flexibility of Alternative Mortgage Loan Programs. In today’s diverse financial landscape, traditional mortgage options may not always suit every borrower’s needs. That’s where alternative mortgage loan programs come in.
We offer innovative solutions beyond conventional lending, these self-employed programs cater to individuals with unique financial situations or those who may not meet traditional lending criteria. Whether you’re self-employed, have non-standard income sources, or seek flexible terms, explore the range of alternative mortgage loan programs available to find the perfect fit for your homeownership journey.
Unconventional Mortgages and Loans We specialize in every type of mortgage, traditional to non-traditional and everything in between. QM Mortgages and Non-QM Mortgage loans from
Non-Qualified Home Loans 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,
A mortgage information resource, a detailed list of current lender niche mortgage loan programs – a wide variety of mortgage loan programs for you to
About Us We are a direct-to-consumer network of NMLS licensed mortgage brokers and loan officers. It could be the only thing holding you back from
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
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
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,
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
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
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
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
Reserve guidelines are favorable at 6 months. Full Stock(s) value, bonds, and Vested Retirement. No additional reserves needed for additional Real Estate Owned (REO), financed
Mortgage brokers Get their rates at wholesale levels below what a consumer can get either walking into or calling a bank. The financial expense is
Adjustable-rate mortgages (ARMs) can remain an appealing option even when interest rates are low. The key factor in deciding if an ARM suits you is
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”
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
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
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
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
Investment Refinance Loans. Below is a list of some of our Refinance “Investment Property” loan programs.
Let us know if you have
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
Cash Out Refinance Loan Options Cash-out refinancing on a Non-Qualified mortgage enables homeowners with atypical income sources to access cash without adhering to conventional requirements.
New Hampshire Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
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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
Rhode Island Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
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Jumbo Construction Loans – Guidelines and Highlights. Below is a list of some of our “Jumbo” Construction loan programs. Let us know if you have
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
Maryland Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
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Idaho Bank Statement Loan Programs We Offer – Guidelines and Highlights: Contact a Loan Officer Please enable JavaScript in your browser to complete this form.Please
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
Florida Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
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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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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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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
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 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
Please see additional guideline and highlight information below on our “Super Jumbo” loan programs.
Speak to a live Loan Officer at (800) 718-8906,
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..
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
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
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
Comprehensive Glossary of Mortgage Terms Mortgage Glossary Adjustment Date: The date on which the interest rate changes for an adjustable-rate mortgage (ARM). Adjustment Period: The period that
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
Super Jumbo refinance loan program details, qualifying criteria, etc.
Who We Are We have many unique loan programs. Our availability of unique loan programs is directly related to how much business we provide to
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
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.
We have 100’s of refinance loans for you the borrower. Cash Out refinance loans and Second Mortgages
Fast Close Mortgage Process Time Efficient Pre-Approval to Application Process Did you recently fall out of escrow, and you need a fast close? Whatever the
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
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
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.
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
3 Month Non-Prime Bank Statement Mortgage Loan Program We offer a flexible 3-month bank statement program as an alternative to traditional 6-, 12-, or 24-month
Super Jumbo Investment Loans Unconventional Loan Programs We Offer – Guidelines and Highlights: Contact a Loan Officer Please enable JavaScript in your browser to complete
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
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
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
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.
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
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
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
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
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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A detailed list of Alt Doc mortgages for the state of Alabama for purchase, refinance and cash out.
Alabama Alt Doc Mortgage loan list.
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
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 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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West Virginia Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
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Alternative income and employment documentation State of New Jersey. Service is King.
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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
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
Delaware Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
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
Have a loan scenario for your buyer? We will research and pre-qualify before we pull credit. Non-QM loan origination experience allows us to do that.