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Unconventional Mortgages - A Wealth of Information and Service: (800) 718-8906
Non-QM Mortgage Documentation and Guidelines
Non-QM Mortgage lenders accommodate all credit profiles including W2 wage earners and 1099 sole proprietors. Non-QM mortgage loans are mostly designed to meet the unique financial needs of self-employed individuals, entrepreneurs, independent contractors, and real estate investors. Unlike traditional loans, they offer flexible qualification criteria, making them accessible to borrowers who may not meet the standard income or credit requirements.
Self-Employed Borrowers and Mortgage Service
These loans provide tailored solutions for those with complex self-employed or wage earner financial situations, offering competitive terms and customizable options. Whether you’re building your business, managing investments, or navigating non-traditional income streams, we’re here to empower you with our Non-QM loan programs to help you to achieve your homeownership or investment goals without complications, hiccups or delays.
Questions? Connect with a Loan Officer or call 800-718-8906.
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
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
Flex Supreme, a leading Non-QM loan program offering top-tier pricing for financially stable borrowers with or without credit challenges. Ideal for non-prime lending solutions.
Bank Statement Alt Doc Options Available – 2025 Updates We calculate your monthly income number (DTI purposes) before your loan is submitted to the underwriter
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,
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
Purchase Rate & Term and Cash Out Refinance * Jumbo Bank Statement Loan to $5,000,000 * Maximum Cash Out – $2,500,000 Bank Statement Income Documentation:
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
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
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
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
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
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 –
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
Alt Doc Loans Bank Statement Loans Bank Statement Mortgages Jumbo Loan Programs Jumbo Loans
Self-Employed Primary Borrower Self-Employed Bank Statement Loans are ideal for self-employed borrowers when tax returns/ Full Doc doesn’t apply Alt Doc (24 months) – Bank
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
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%
Jumbo Purchase Loan for the First-Time Homebuyer to $1,000,000 Eligible Transactions: Purchase. See refinance loans Loan Amounts to $2,500,000 Financing up to $2,500,000 with options
No Income verification super jumbo Loan up to $30 Million. Access high-value financing without income documentation or employment history. Ideal for self-employed, retirees, day traders,
Discover our comprehensive Bank Statement Non-Prime Loan Program, offering flexible solutions for diverse financial profiles on our Non-Prime mortgages.
6 Months Bank Statement Alt Doc Mortgage – 660 Credit Score Personal or Business account statements can be used with any qualified assets with a
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
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
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
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
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
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
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
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.
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
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
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 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
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
Jumbo Bank Statement Program – 620 Credit Score Self-Employed including Sole Proprietor 1099 Independent Contractors as well as W2 Commission Professionals. Now you can also
Unconventional Mortgages and Loans High 95% LTV Cash Out Financing 5% Down Payment for your Jumbo purchase or 95% LTV Jumbo financing for Rate /
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
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
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
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
1099 Only mortgage for Independent Contractors with one or two year self-employment histor.
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
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
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 also have
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.
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
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
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
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
Asset-Based Verified Assets Qualification Program – No 4506-C Owner Occupied/ Primary residence allowed. The applicant must demonstrate their ability to save by providing proof of
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
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
Non-QM loan for self-employed borrowers looking for a flexible home loan option without traditional income verification? The 1-Month Bank Statement Mortgage Program is a Non-QM
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
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
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
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
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
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+
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.
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
Maximum Loan Amount Investor Mortgage – $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
The Real Estate Investor Program offers flexible income documentation options, including Full Doc or DSCR (Debt Service Coverage Ratio) Income Documentation: DSCR (Debt Service Coverage
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
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
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
Jumbo Loan Amounts: Up to $3,000,000 – 85% LTV Tap into your home’s equity with a jumbo cash-out refinance—borrow up to $2,500,000 with a maximum
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
Alt-Doc Mortgage Program: Flexible financing up to 90% LTV with loan amounts from $1.5M to $3.5M. No 4506-T or 4506-C forms required. Reserve requirement: 6
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 –
Super Jumbo Investor Mortgage | DSCR. A specialized DSCR loan program for real estate investors with a minimum credit score of 620. Offers up to
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:
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
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-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,
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
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
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
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
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
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
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
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
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
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.
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
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
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
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
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
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)
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
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
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
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
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
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,
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
DSCR Debt Service Coverage Ratio Loan Program Debt Service Coverage Ratio Loan Program Guidelines and Requirements Experienced Real Estate Investors – 25 Financed Properties –
2024 Update: Credit Score Requirement: 680 Minimum Purchase, Refinance and Cash Out Refinance ** Purchase and Rate/ Term Refinance to $3,500,000 & 80% LTV **
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
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
One-Year Lite Income Documentation | W2 Wage Earner Co-Borrower OK 620 Minimum Middle Credit Score – 75% LTV * Purpose: Purchase / Rate & Term
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
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
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
Foreign Nationals are buying properties now more than ever which means good & effective Buying Power for the foreign national and also more and more
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
Hard Money Loan Program Guideline Overview Interest-Only Payment Term Available * Loan Amounts: * $250,000 – $7,500,000 Property Types: * SFR (Single Family Residence) *
Conventional Lender – Minimal Overlays The condition “Purchase: Source & season Earnest Money Deposit in the amount of $XXXX is usually not required. Stock and
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
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.
Portfolio Mortgage Program Highlights 2024 * FHLMC Super-Conforming * FNMA unpermitted space ok if documented per guidelines * Transferred appraisals ok on most 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 Second Mortgage Home Renovation Loan Program Renovations are hard work. Get your financing in line. Feel comfortable and confident your financing needs are
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
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
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
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
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
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*
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
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
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
Bank Statement Mortgage – Wage Earner Jumbo and Super Jumbo Alt Doc Mortgage Purpose: Purchase, Rate/Term and Cash Out Lite Doc – W2 Wage Earner
Manual Underwrite Super Jumbo Mortgage Super Jumbo Non-Conventional Mortgage Loan Program | Flexibility | Freedom | Buying Power Mortgage financing freedom ability available to purchase
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
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
Jumbo Second Mortgage | Alt Doc + Minimum Mortgage Credit Score: 680 Available Terms – 15- or 20 Year Fixed Rate Second Mortgages. Available for
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
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