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.
* Bank Statement Loans
* Asset Depletion Programs
* DSCR Loans for Investors
* Foreign National Financing
* Stated Income & No Ratio Options
* Hard Money & Bridge Loans
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.
Unconventional Mortgages and Loans Conventional to unconventional and everything in between. We offer real financial solutions to accommodate borrowers like yourself for purchase, rate/term, and cash out
Fast Close Mortgages Quick Close Mortgage Service Quick Close Mortgage Service is designed for borrowers who require speed, certainty, and execution. Our close-of-escrow date commitment
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
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 Market The Non-QM
Second Mortgage Loan Options We offer Portfolio Alt Doc second mortgage options because they’re ideal for borrowers seeking alt doc second mortgage options. Non-QM Closed-End
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
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
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 mortgage
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.
Purchase Loan Options Alt Doc Purchase Loans Alt Doc Refinance Loans Cash Out Refinance Contact a Loan Officer Construction Loan Categories Second Mortgages Credit Score
Portfolio lenders usually have the most unique loan programs. However, there are unique guidelines variances among most core Non-QM lenders.
Examples of niche
Construction Loan Options What is a Construction Loan? A construction loan is a short-term financing tool designed to fund the costs involved in building a
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
California Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
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
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
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.
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
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
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
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
Alternative income documentation and employment documentation loan programs for investors and Self-Employed borrowers in the state of Wisconsin. (go Bears)
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
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,
Overview & Underwriting Philosophy Summary: Programs & Products {#programs} Summary of available documentation types: Eligible Product Terms: Key Limits (matrix-driven): Property Eligibility Eligible: Ineligible (summary):
We have 100’s of refinance loans for you the borrower. Cash Out refinance loans and Second Mortgages
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.
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
All Loan Programs All Loan Programs We Offer – Guidelines and Highlights | 800-718-8906 Contact a Loan Officer Alternative Income Documentation Contact a Loan Officer
Who We Are We are an online mortgage platform offering practical, real-world financing solutions. Not every loan product fits every borrower employment type, income structure,
Creative financing offers adaptable structures for complex borrower profiles and investment scenarios. We specialize in Non-QM and alternative mortgage programs.
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 superior
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
Application to Close of Escrow Looking Looking for a quick close? Let’s follow your mortgage application. Where does it go and why? Items you may need.
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
Approve 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 Form. This
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
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.
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,
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
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..
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
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
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
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
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
New Hampshire Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
New Jersey Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906..
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
Missouri Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Nevada Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Massachussetts Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Arizona Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Idaho Bank Statement Loan Programs We Offer – Guidelines and Highlights: Bank Statement Loans by State: Alt Doc Loans by State: Alternative Income Documentation Contact
Louisiana Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Kansas Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Illinois Bank Statement Loan Programs We Offer – Guidelines and Highlights: Bank Statement Loans by State: Alt Doc Loans by State: Alternative Income Documentation Contact
Mississippi Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Minnesota Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Colorado Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Iowa Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Georgia Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Indiana Bank Statement Loan Programs We Offer – Guidelines and Highlights: Bank Statement Loans by State: Alt Doc Loans by State: Alternative Income Documentation Contact
Maine Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Hawaii Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Kentucky Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
No Tax Return Transcripts / 4506-C
“4506” refers to IRS Form 4506, which allows lenders to request a transcript of a borrower’s tax return directly
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
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”
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
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
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
Jumbo Construction Loans – Guidelines and Highlights. Below is a list of some of our “Jumbo” Construction loan programs. Let us know if you have
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 refinance loan program details, qualifying criteria, etc.
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 @
A detailed list of Alt Doc mortgages for the state of Alabama for purchase, refinance and cash out.
Alabama Alt Doc Mortgage loan list.
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,
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
Investment Refinance Loans. Below is a list of some of our Refinance “Investment Property” loan programs.
Let us know if you have
Please see additional guideline and highlight information below on our “Super Jumbo” loan programs.
Speak to a live Loan Officer at (800) 718-8906,
New Mexico Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Florida Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Connecticut Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
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
Alaska Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
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
North Carolina Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906..
Maryland Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Wisconsin Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Oklahoma Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906..
West Virginia Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Washington Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Virginia Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Wyoming Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Connecticut Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Super Jumbo Investment Loans Unconventional 1099 Only Loans – Programs We Offer | Guidelines and Highlights: Contact a Loan Officer Alternative Income Documentation Contact a
Florida Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Virginia Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
South Carolina Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Rhode Island Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Oregon Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Tennessee Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Arizona Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Utah Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Oregon Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906..
Ohio Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906..
Texas Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
North Dakota Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906..
Arkansas Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Vermont Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
West Virginia Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Washington Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Wyoming Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
South Dakota Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Vermont Bank Statement Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Delaware Alt Doc Loan Programs We Offer – Guidelines and Highlights: Contact a Loan Officer Alt Doc Loans by State: Bank Statement Loans by State:
Colorado Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
South Carolina Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Utah Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Pennsylvania Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
North Dakota Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Oklahoma Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Oregon Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Rhode Island Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Ohio Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
New Hampshire Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
North Carolina Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Alternative income and employment documentation State of New Jersey. Service is King.
Nevada Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Nebraska Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Montana Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Missouri Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Mississippi Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Minnesota Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Tennessee Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Georgia Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Hawaii Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Alaska Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Indiana Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Idaho Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Kansas Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Kentucky Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Louisiana Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Maine Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
Maryland Alt Doc Mortgage loan list. Connect with a qualified Loan Officer (800) 718-8906.
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 loan can serve as an effective tool for both personal and business purposes. At BrokerMortgages.com, our mortgage programs may be the ideal solution
Loan Scenario Form – Credit Check Not Required With the following information, we will shop your scenario (not your personal information) with hundreds of wholesale
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
Featured Loan Programs
Featured Loan Programs – Guidelines and Highlights:
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
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