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
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.
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.
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.
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.
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
Alternative Income Second Mortgage Non-QM lender offers a closed-end, fixed-rate structure tailored for the needs of self-employed individuals and real estate investors. With a minimum
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,
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
Prime and Non-Prime Bank Statement Options | Self-Employed Borrowers Portfolio Direct Lender is a specialized direct lender offering an exclusive portfolio of loan products 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, and they make
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 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
One-Year Lite Income Documentation | W2 Wage Earner Co-Borrower OK 620 Minimum Middle Credit Score – 75% LTV * Purpose: Purchase / Rate & Term
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 –
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
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
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
2024 Update: Credit Score Requirement: 680 Minimum Purchase, Refinance and Cash Out Refinance ** Purchase and Rate/ Term Refinance to $3,500,000 & 80% LTV **
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” stands for Debt Service Coverage Ratio loans, which allow real estate investors to qualify based on property cash flow rather than personal income.
Benefits
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.
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
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
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
Stated Income / No Doc This hard money asset-based stated income / No Doc loan program is designed for borrowers who need an asset-based lending
Bank Statement Second Mortgage Loan Program A Stand-Alone Second Mortgage, also known as a second lien mortgage, allows borrowers to access home equity while keeping
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 Business or Personal Bank Statement Loan Program Business Bank Statements or 3 Months Personal Bank Statements Our 3 Month Program is the alternative
Bank Statement Alt Doc Options Available – 2025 Updates We calculate your monthly income number (DTI purposes) before your loan is submitted to the underwriter
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
New Jumbo Guidelines with Loan Amounts to $10,000,000 Most Non-QM lenders require a 620 minimum credit score to qualify for 85% LTV Cash Out for
Hard money jumbo loans in California offer flexible financing with no personal income verification, allowing borrowers to qualify based on liquid assets for reduced investor
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. A specialized DSCR loan program for real estate investors with a minimum credit score of 620. Offers up to
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
Six Alternative Income Verification Options This 3 month, 6 month, 12 month, or 24 month bank statement Non-QM loan program uses bank statements in lieu
Debt Service Coverage Ratio (DSCR) – No Ratio program for real estate investors up to $5,000,000. Eligible for purchase and cash-out refinance with no employment
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
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
1 Year Full Doc Program – Reduced Employment Reduced doc loan program is for both W2 Wage Earner and Self-Employed borrowers. 1099 Only loan programs
One Year “1099 Only” Income Reduced Doc Program for self-employed borrowers. Lite Doc option using just one year of 1099 income—no full tax returns needed.
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
1 Month Bank Statement Option Non-QM Mortgage Loan Program Self-Employed Mortgage Income is stated and is not calculated (No Ratio) from the One-Month Bank Statement.
Bank Statements Jumbo Mortgage with a 3-Month Program. Use either business or personal bank statements as an alternative to the 6-month, 12-month, and 24-month options.
3-Month Bank Statement Loan. Use either 3 months of business or personal bank statements as an alternative to the 6-month, 12-month, and 24-month programs. Ideal
Asset Qualifier Portfolio Mortgage with asset-based income documentation. Ideal for borrowers using 1099s (sole proprietors) to demonstrate ability to repay. Allows DTI ratios up to
Non-Prime Super Jumbo Loans up to $5,000,000 for self-employed borrowers. Use 12 or 24 months of business bank statements to demonstrate your ability to repay,
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-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
Hard Money Loan Program Guideline Overview Interest-Only Payment Term Available * Loan Amounts: * $250,000 – $7,500,000 Property Types: * SFR (Single Family Residence) *
1099 Only mortgage for Independent Contractors with one or two year self-employment histor.
The 12-Month Bridge Loan Program provides short-term financing that allows borrowers to access the equity in their property prior to its sale. Loan amounts range
Foreign Nationals are buying properties now more than ever which means good & effective Buying Power for the foreign national and also more and more
1099 Only Lite Doc Bank Statement Loan – Qualify with just 1 year of income and employment verification. Ideal for self-employed borrowers with a 660+
Condo Mortgage Program 90% LTV to $2,500,000 Purpose: Purchase, Refinance Cash Out * 90% LTV – $2,000,000 – 700 Credit Score * 90% LTV – $1,500,000 –
DSCR Debt Service Coverage Ratio Loan Program Debt Service Coverage Ratio Loan Program Guidelines and Requirements Experienced Real Estate Investors – 25 Financed Properties –
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.
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 Income Program to 90% LTV Our asset depletion programs can also qualify your business as well as your personal bank (100% gross deposits)
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
Purpose: Purchase Rate & Term and Cash Out Refinance * Jumbo Bank Statement Loan to $5,000,000 * Maximum Cash Out – $2,500,000 Bank Statement Income
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
Alt Doc Loans Bank Statement Loans Bank Statement Mortgages Jumbo Loan Programs Jumbo Loans
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 Months Bank Statement Alt Doc Mortgage – 660 Credit Score Personal or Business account statements can be used with any qualified assets with a
Second Mortgage Bank Statement Jumbo Loan. Flexible CLTV options with loan amounts starting at $250,000, up to 85% CLTV. Available for larger loans, with 80%
Self-Employed Mortgage One Month Bank Statement Option One-Month Bank Statement Loan for Self-Employed: A flexible mortgage solution for purchases, rate/term refinances, and cash-out options. Ideal
Conventional Lender – Minimal Overlays The condition “Purchase: Source & season Earnest Money Deposit in the amount of $XXXX is usually not required. Stock and
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
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-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
Bank Statement Jumbo Mortgage with Interest-Only options. Choose from 2-month or 24-month bank statement programs for purchase, rate/term refinance, or cash-out. Available for owner-occupied, second
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
Self-Employed Borrowers – Forms 4506-T / 4506-C Not Required This Alt Doc Home Loan program allows you to qualify using bank statements, providing a flexible
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
12 or 24 Months Business or Personal Bank Statements More and more Self-Employed Americans are finding it much easier to obtain reasonable mortgage financing. Without
Unconventional Mortgages and Loans High 95% LTV Cash Out Financing 5% Down Payment for your Jumbo purchase or 95% LTV Jumbo financing for Rate /
Bank Statement Jumbo to 90% LTV Financing Guidelines 12 Months Bank Statements or One Year 1099 “1099 Only Program” Sole proprietors can qualify for the
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
Self-Employed Home Loan Program This kind of loan product is for the Self-Employed borrower that can produce a 1-year P&L along with a letter from
True Stated Income 2025 | Forms 4506-T and 4506-C Not Required An alternative to the “bank statement loan” program for the well-qualified self-employed borrower. You
Non-Prime Mortgage Loan Program – 580 Credit Score Our Non-Prime Mortgage Loan Program is designed to help borrowers with less-than-perfect credit access home financing. Co-borrowers
Manual Underwrite Super Jumbo Mortgage Super Jumbo Non-Conventional Mortgage Loan Program | Flexibility | Freedom | Buying Power Mortgage financing freedom ability available to purchase
Alt-Doc Mortgage Program | Forms 4506-T and 4506-C Not Required ** 90% LTV (loan-to-value) Financing ** $1,500,000 – Maximum Loan Amount: ** $3,500,000 – Maximum
Stated Income Jumbo Construction Loan up to $10 Million for home builders. Short-term financing for construction projects—no 4506-T or 4506-C forms required. Ideal for builders
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
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
High LTV Super Jumbo Commercial Loan Program Meet our Commercial Jumbo Loan Program offering up to 80% LTV on loans up to $6,000,000. Perfect for
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
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
Asset-Based Qualification Program – No 4506-C This is both a Stated Income and Asset Depletion loan program and it is designed for the high-net-worth borrower
Self Employed 1099 Only and Bank Statement Home Loans This loan program is for home buyers and homeowners that have a few late payments or
Non-Prime Alt Doc Self-Employed Program Non-Prime mortgages are not only for challenged credit borrowers, but also good and excellent credit borrowers that require a higher
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
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 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.
Jumbo Second Mortgage Alt Doc – Form 4506-T Not Required Jumbo Second Mortgage $350,000 – Get a jumbo second mortgage up to $350,000 with an
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
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
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
Non-Prime – One Day Out of a Short Sale or Foreclosure Loan This loan is for people that have recently either foreclosed or short sold
Qualify for an Asset Depletion Mortgage up to $5 million without tax returns. This program allows self-employed and W-2 borrowers to use verified assets as
Our Bank Statement Mortgage Program offers self-employed borrowers and independent contractors a flexible financing solution without traditional income verification. Qualify using 24 months of personal
Our Stated Income / Verified Assets Mortgage Program offers flexible financing for self-employed borrowers with strong assets and non-traditional income. No tax returns required—just verified
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
Discover our comprehensive Bank Statement Non-Prime Loan Program, offering flexible solutions for diverse financial profiles on our Non-Prime mortgages.
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 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 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
Primary Borrower – Self-Employed Home Loan 222 Bank Statement Loans are ideal for self-employed borrowers, defined as those with at least 25% ownership in a
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
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 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
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.
This Jumbo Loan Program is for Borrowers with Less Than Perfect Credit Jumbo Loan Amounts to $4,000,000 | Maximum Cash Out – $2,500,000 Credit Score
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 Program | 620 Credit Score Required This loan is for borrowers that don’t have or don’t have enough traditional credit; credit that
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
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
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 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:
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 Program Highlights 2024 * FHLMC Super-Conforming * FNMA unpermitted space ok if documented per guidelines * Transferred appraisals ok on most programs- *
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
Lite Doc – 12-Month Bank Statement Program Qualify with a 12-month average of gross deposits instead of traditional income documentation. Designed exclusively for self-employed borrowers,
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
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 up to $30 Million. Portfolio mortgage with flexible Lite Doc options, including 1099 Only income documentation up to $3M. Designed for
Access an easy home loan up to $4,000,000 based on stated income, with a minimum credit score of 740. Skip the hassle and stress of
Access up to $750,000 with our Stand-Alone Second Mortgage Loan Program—no need to refinance your first mortgage. Available for primary and second homes, this program
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
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
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
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
Jumbo Second Mortgage | Alt Doc + Minimum Mortgage Credit Score: 680 Available Terms – 15- or 20 Year Fixed Rate Second Mortgages. Available for
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
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