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Non-Traditional mortgages offer more flexible terms and underwriter guidelines. We have dozens of lenders covering every area of residential mortgage lending. Including Non-QM, Portfolio (QM and Non-QM), Prime, Non-Prime, Investor, Hard Money, and Business Purpose

Flexibility Where it Matters

Each loan scenario is large part is made up with the following core criteria: For instance, Loan Purpose, Loan-to-Value (LTV), Property Type, Zoning, Occupancy, Title Vesting, Business Entity, income, income documentation needs, employment documentation needs, reserves, credit scores/criteria, residual income. We have lenders that excel in every area.

Non-Qualified Mortgage Broker and Lenders

Why mortgage brokers work with Non-QM Lenders? Non-Qualified lenders offer higher DTIs, flexible terms like 40-year amortization with and without Interest-Only periods, Lite Doc, Reduced Doc, No Doc, No Ratio, DSCR, P&L Only (borrower produced and unaudited), and other Alt Doc income and employment doc loan programs like Verbal Verification of Employment (VVOE), CPA (licensed tax professional) Letter, etc. which is ideal for business professionals and self-employed individuals, especially those with irregular income, multiple sources of income, multiple companies with various % of ownership) and of course complicated business and personal tax returns.

Creative Mortgage Financing

Unconventional mortgage financing stands out for its specialization in catering to individual borrower requirements, particularly benefiting self-employed individuals. Unconventional mortgages shine in this regard by providing a diverse array of options tailored to unique financial circumstances.

Options and More Options

Diverse financing, exemplified by unconventional mortgages, distinguishes itself through its capacity to cater to the specific requirements of individual borrowers, particularly business professionals, small business owners and the self-employed borrower. These specialized mortgage products stand out by providing a wider range of options tailored to address the unique financial circumstances of each borrower. Unlike traditional mortgages, unconventional ones are designed to accommodate the distinct needs and challenges faced by self-employed individuals, offering flexible solutions that are responsive to their varied income sources and documentation requirements.

12-Month Bank Statement Jumbo Program

This 12-Month Bank Statement Jumbo Program is designed for self-employed borrowers and those with non-traditional income sources, providing flexible financing options for high-value properties. *

Second Home 85% LTV – 660 Credit Score

Prime and Non-Prime Bank Statement Options | Self-Employed Borrowers Portfolio Direct Lender is a direct lender with their own portfolio of loan products and programs,

Jumbo Bank Statement Alt Doc – 640 FICO

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

1099 Only Jumbo Loan – 640 Credit Score

1099 Only Super Jumbo Loan Program – $7,500,000 1099 mortgage loan programs accommodate Sole proprietors, Independent Contractors, and Freelance Professionals. Non-Occupying Co-Borrowers OK. On a

P&L Only – 640 Credit Score

P&L Only Mortgage Loan Program The 12-Month P&L Only Loan Program offers a streamlined alternative documentation solution for borrowers with complex tax returns. Use profit

Self-Employed Home Loan – Lite Doc

One-Year Lite Income Documentation | W2 Wage Earner Co-Borrower OK 620 Minimum Middle Credit Score – 75% LTV * Purpose: Purchase / Rate & Term

Non-Prime 6 Month Bank Statement Mortgage

Five Alternative Income Verification Options – This Non-QM loan program uses bank statements in lieu of Traditional Income Documentation to determine a borrower’s Ability-to-Repay. Agency

Investor DSCR Mortgage Program

The Real Estate Investor Program offers flexible income documentation options, including Full Doc or DSCR (Debt Service Coverage Ratio) Purpose: Purchase or Cash Out Refinance

Lite Doc One Year Income Documentation

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

Super Jumbo DSCR $4,500,000

Debt Service Coverage Ratio (DSCR) continues to be popular with real estate investors. Below are guidelines using Long- and Short-Term Rental Income. We can use

Stated Income/Verified Assets – California

2024 Update: Credit Score Requirement: 680 Minimum Purpose: Purchase, Refinance and Cash Out Refinance ** Purchase and Rate/ Term Refinance to $3,500,000 & 80% LTV**

DSCR Super Jumbo to $5,000,000 Cash Out

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

DSCR Loans

“DSCR” stands for Debt Service Coverage Ratio Loans. Additional loan programs information below.

Multi-Unit Property Purchase Loans | Alt Doc

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.

Refinance Loans | Alternative Jumbo

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 with a Mortgage Expert or reference our Pre Qualification form.

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 out a Pre Qualification form.

Super Jumbo DSCR to $4,000,000

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

Stand-Alone Second Mortgage

A Stand-Alone Second Mortgage, also known as a second lien mortgage, enables borrowers to unlock equity while retaining their current first lien mortgage and low

Portfolio Mortgage Lenders

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

3 Month Bank Statement Loan 90% LTV

3 Month Business or Personal Bank Statement Loan Program Business Bank Statements or 3 Months Personal Bank Statements Our 3 Month Program is the alternative

Six Alternative Income Verification Options

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

California Hard Money Jumbo – 80% LTV

Jumbo and Super Jumbo – Cash-Out – 600 Credit Score Second Mortgages also Available. Private Money Lender, southern California based with LTVs up to 80%

Exception-Based Non-Prime Loan

Maximum Loan Amount: $4,000,000 Cash Out: $2,000,000 Specialized lender leads the way in the Non-Prime niche mortgage lending space with over 50 years of collective

Super Jumbo Investor Mortgage | DSCR

Unconventional Real Estate Investor (DSCR) Loan Program Debt Service Coverage Ratio – 620 Minimum Credit Score Underwriter Guideline Highlights: * Maximum LTV 85% Purchase Transactions

Non-QM Super Jumbo Alt Doc

Jumbo Bank Statement Program – 620 Credit Score Now you can use your 1099(s) for to qualify (sole proprietor) as additional income/”ability to repay” Self-Employed

Bank Statement Loan to 75% LTV 620 Credit Score

Six Alternative Income Verification Options Non-QM loan program uses bank statements in lieu of Traditional Income Documentation to determine a borrower’s Ability-to-Repay. Agency – government

Debt Service Coverage No Ratio

DSCR – Real Estate Investor Program to $5,000,000 Eligible Transactions – Purchase and Cash Out Refinance Employment Not Required. Income – Rental Leases or Appraisal.

Non-QM Super Jumbo Mortgage Loans

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

Non-Prime True No Doc Mortgage Program

This Alt Doc loan program is for buyers that have extraordinary or unconventional income and documentation including self-employed borrowers and fixed income along with previous

One Year Tax Return Income Program

1 Year Full Doc (Lite Doc) Program – Lite Income and Reduced Employment Reduced doc loan program is for both W2 Wage Earner and Self-Employed

One Month Bank Statement Loan Program

1-Month Bank Statement Loan for Self-Employed Borrowers This 1-Month Bank Statement Loan is a convenient solution for self-employed individuals seeking flexible income documentation. This Non-QM

Bank Statements Jumbo Mortgage

3 Months Business Bank Statements or Personal Bank Statements Our 3 Month Program is the alternative to 6-month, 12-month and 24-month programs. We also have 1-month and 2-month

3 Month Bank Statement Loan

3 Months Business Bank Statements or 3 Months Personal Bank Statements Our 3 Month Program is the alternative to 6-month, 12-month and 24-month programs. We

Asset Qualifier

Portfolio Mortgage Asset-based Income Documentation | Asset Based Lending * Debt-to-Income DTI (expense ratio) up to 55% Now you can use your 1099(s) for to

Non-Prime Super Jumbo – $5,000,000

Self-Employed Bank Statement Super Jumbo loans Borrowers utilize 12 or 24 months of business bank statements to demonstrate their Ability to Repay, eliminating the need

Bank Statement Loan for Real Estate Investors

Real Estate Investor Loan Program Designed for real estate investors, this Bank Statement loan can qualify investor income and self-employment income in different or multiple

Non-QM Portfolio Lender Loan Programs

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

Fix and Flip Program

Hard Money Loan Program Guideline Overview Interest-Only Payment Term Available * Loan Amounts: * $250,000 – $7,500,000 Property Types: * SFR (Single Family Residence) *

12 Month Bridge Loan

12 Month Bridge Program Lending Partner with the Flexibility to Deliver Results 12 Month Bridge Loan allows Borrowers Access to the Equity in their Property

90% LTV – ITIN Investors

Foreign Nationals are buying properties now more than ever which means good & effective Buying Power for the foreign national and also more and more

Reduced Doc – 1 Year Employment

1099 Only Lite Doc Income Documentation Bank Statement Loan | 660 Credit Score – 90% LTV to $1,500,000 Minimum Credit Scores: Portfolio Non-QM Lender Guidelines

DSCR .75% Jumbo Mortgage

DSCR Debt Service Coverage Ratio Loan Program Debt Service Coverage Ratio Loan Program Guidelines and Requirements Experienced Real Estate Investors – 25 Financed Properties –

After Repair Value Purchase Loan (ARV)

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.

One Year Tax Returns to 90% LTV

Reduced Doc | 12 Months Reduced Income Documentation and Reduced Employment Verification Documentation We can help new business owners or self-employed borrowers who experienced a

Asset Depletion Program

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)

Home Renovation Second Mortgage

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

Bank Statement Loan to $5,000,000

Purpose: Purchase Rate & Term Refinance – Rate & Term and Cash Out * Jumbo Bank Statement Loan to $5,000,000 * Maximum Loan Amounts: $5,000,000

Bank Statements/Asset Depletion to 5-Million

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 Mortgage – Wage Earner

Bank Statement Mortgage – Wage Earner Jumbo and Super Jumbo Alt Doc Mortgage Purpose: Purchase, Rate/Term and Cash Out Lite Doc – W2 Wage Earner

6 Month Bank Statement Mortgage Loan

6 Months Bank Statements – 660 Minimum Mortgage Credit Score Personal or Business account statements can be used with any qualified assets with a credit

Second Mortgage Bank Statement Jumbo

Jumbo Second Mortgage Bank Statement Loan CLTV (Combined Loan-to-Value) / Loan Amount * 85% CLTV / $250,000 * 80% CLTV / $350,000 * 75% CLTV

One Month Bank Statement Mortgage Loan Program

Self-Employed Mortgage One Month Bank Statement Option One Month Bank Statement Loan for Self-Employed Borrowers: A flexible mortgage option for purchase, rate/term, or cash-out refinancing.

Conventional Mortgage Niches

Conventional Lender – Minimal Overlays The condition “Purchase: Source & season Earnest Money Deposit in the amount of $XXXX is usually not required. Stock and

Non-QM Interest-Only Jumbo Program

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 55% DTI

This loan program is designed for home-buyers (purchase transaction) and home-owners (refinance transaction) that do not want to provide (Form 4506-T not required and Form

Non-QM Low Doc Jumbo

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

Prime and Non-Prime Bank Statement Options

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

Non-Prime Mortgages Niches

Self-Employed Borrower Bank Statement Loan Program This mortgage program is for self-employed borrowers who write off too much on their taxes or do not do their

Non-Prime Mortgage 80% LTV 600 Credit Score

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-QM Mortgages

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 us for your next Non-QM purchase or refinance loan.

Portfolio Jumbo – Stated Income California

True Stated Income 2024 | Forms 4506-T and 4506-C Not Required An alternative to the “bank statement loan” program for the well-qualified self-employed borrower. You

580 Credit Score to $1,500,000

Non-Prime Mortgage Loan Program- 580 Credit Score The co-borrower must have at least a 580 credit score and also must not have more than 42%

Super Jumbo Mortgage Manual Underwrite

Manual Underwrite Super Jumbo Mortgage Super Jumbo Non-Conventional Mortgage Loan Program | Flexibility | Freedom | Buying Power Mortgage financing freedom ability available to purchase

Bank Statement Super Jumbo Loan

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

Private Money 70% LTV

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

Investor Loan – No Doc

Nationwide Private Mortgage Lender This is a Private Money lender that has funded thousands of loans nationwide, and makes all decisions in-house with over $200,000,000

Non-Prime Bank Statement Loan 620 Credit Score

Self Employed 1099 Only and Bank Statement Home Loans The Non-QM Mortgage Loan Program offers flexible solutions for self-employed borrowers, including 1099-only for Sole Proprietor

Hard Money 5-Million Owner Occupied

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 Hard Money to 3-Million 80% LTV

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

Inherited Property Loan Program

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.

Second Mortgage $350,000

Jumbo Second Mortgage Alt Doc – Form 4506-T Not Required 80% LTV 2nd mortgage to $350,000 Alt-Doc for Self-Employed Borrowers and Full Doc for everyone.

Asset Qualifier Jumbo Loan

Qualifying Criteria for this loan program are Asset Based. This program can also be used to supplement additional alt doc programs such as Bank Statements

Stated Income/ Verified Assets Super Jumbo

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

Jumbo Investor Loan 90% LTV 720 Credit Score

Maximum Loan Amount – $3,000,000 This investment property loan program provides up to $3,000,000 for purchases and rate-term refinances, with cash-out refinancing available up to

Asset Depletion Program to 5 Million

Asset Depletion Jumbo Loan Self Employed and W-2 Wage Earner Co-Borrower ~ 660 Mortgage Credit Score – 80% LTV to 2 million ~ 640 Mortgage

Super Jumbo Bank Statement Program

Income Documentation Self-Employed Alternative + 55% DTI 24 Months Business or Personal Bank Statement Program ** $3,000,000 Loan Amount – 55% DTI** $2,500,000 Loan Amount

Bank Statement Loan – 600 Credit Score

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

First Time Home Buyer Jumbo loan

Jumbo Purchase Loan for the First-Time Homebuyer to $1,000,000 Eligible Transactions: Purchase. See refinance loans Loan Amounts to $2,500,000 First Time Homebuyer to $1,000,000 –

Hard Money Super Jumbo Florida

Hard Money Super Jumbo Mortgage program Super Jumbo Loan Amounts: $5,000,000 and up to $10,000,000 on a case-by-case basis. Eligible Transactions Eligible for a variety

Stated Income Verified Assets Owner-Occupied Jumbo

Stated Income Primary Residence Mortgage Program True Stated Income eligible on primary residence. Include multi-unit owner-occupied investment properties. Form 4506-C not required. This program can

Non-Prime Bank Statement Loan

Primary Borrower – Self-Employed Home Loan Bank Statement Loans are ideal for self-employed borrowers, defined as those with at least 25% ownership in a company.

Portfolio Lender HELOC to $400,000

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

600 Credit Score Jumbo Mortgage Programs

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

Jumbo Cash Out Refinance Loan

Jumbo Loan Amounts: $2,500,000 Maximum Unlock your home’s equity with a jumbo cash-out refinance. Borrow up to $2,500,000 with maximum loan-to-value (LTV) of 85%. Eligible

Real Estate Investor Bank Statement Loan

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.

Jumbo 1.5 Million Southern California

This Jumbo Loan Program is for Borrowers with Less Than Perfect Credit Jumbo Loan Amounts to $4,000,000 | Maximum Cash Out – $1,500,000 Credit Score

Commercial Mortgage Stated Income Super Jumbo

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:* Purchase*

Nontraditional Credit Loan

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

95 Percent Financing 620 Credit Score

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

Investor Purchase Loan Program

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

No Income No Asset Verification

Income and Asset Documentation Not Required Forms 4506-T and 4506-C Not Required Update: September 2023 Tax Returns Not Needed for Self Employed or W-2 Employees

Manufactured Home Loans

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:

Rural Property

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

Portfolio Mortgage Programs

Portfolio Mortgage Program Highlights 2024 * FHLMC Super-Conforming * FNMA unpermitted space ok if documented per guidelines * Transferred appraisals ok on most programs- *

203K Streamline

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

Jumbo Bank Statement Loan 5-Million

Qualify on a Lite Doc – 12 Month Bank Statement Program 12 Month Average Gross Deposits in-lieu of Traditional Income Documentation Self-Employed Borrower’s Only –

Home Equity Line of Credit – HELOC

Home Equity Line of Credit Options Get Approved for a low-rate Home Equity Line of Credit that allows you to Borrower and Re-borrower. A Home

Super Jumbo Programs

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

Super Jumbo Bank Financing to 30 Million

Jumbo Mortgage Portfolio Bank Loan – Highlights * Alternative Lite Doc income documentation: 1099 Only to $3,000,000 * This Bank Loan Super Jumbo is a

Stand Alone Second Mortgage Loan Program

We now also have Bank Statement Second Mortgages – September 2023 * Maximum Loan Amount: $750,000 Purpose: * Stand-Alone Second * Purchase Piggy-Back Second Mortgage

Manual Underwriting Loan Programs

Submit your application for 48-hour approvals! Conforming, Jumbo Conforming, FHA loan programs Full and Lite Doc income documentation programs Up to 64.9% Debt to Income

Investor Mortgage Program

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

California Hard Money 30-Million

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

Jumbo Private Hard Money Program

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

2nd Mortgage Program to $350,000

Jumbo Second Mortgage | Alt Doc + Minimum Mortgage Credit Score: 680 Available Terms – 15- or 20 Year Fixed Rate Second Mortgages. Available for

Bridge and Hard Money Loans

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

680 Credit Score $1,500,000 Cash Out

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

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Non-QM Mortgages

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