A non-QM second mortgage program allowing homeowners to access equity without impacting their existing first mortgage rate, available with various income documentation types.

A closed-end second mortgage program offering flexible income documentation including bank statements, P&L, 1099, WVOE, DSCR, and full doc options with up to 90% CLTV.

A second mortgage HELOC program for investment properties, offering flexible draw terms and alternative documentation options.

A non-QM jumbo loan program for self-employed borrowers that uses business bank statements to qualify, allowing for the use of a CPA letter to adjust expense ratios.

An income qualification program that allows borrowers to use eligible assets as a form of income for loan approval.

A bank statement loan program offering up to 90% LTV with credit scores starting at 620 and loan amounts up to $4 million. Features include no expense factor with a P&L letter, interest-only options, and eligibility for first-time homebuyers.

Second mortgage program available for owner-occupied, non-owner occupied, and second homes with bank statement or full documentation.

Non-QM loan program utilizing 3 to 12 months of personal or business bank statements to qualify for income.

A 30-year fixed standalone second lien mortgage for primary residences using 24-month bank statements for income qualification, with up to 70% CLTV.

A closed-end second mortgage program designed to help borrowers access home equity without refinancing their existing first mortgage. It supports various documentation types including full doc, bank statement, P&L, WVOE, 1099, and DSCR.

Non-QM purchase loan program offering up to 90% LTV with loan amounts up to $1.5M, available for various income documentation types including bank statements and 1099s.

Mortgage program for self-employed borrowers that allows qualification using personal or business bank statements.

A bank statement loan program for self-employed borrowers offering up to 90% LTV, loan amounts up to $4M, and a minimum FICO score of 620.

Flexible income qualification program allowing the combination of W2 income with bank statements or asset depletion.

Jumbo loan program offering bank statement income qualification for primary, second, and investment properties with LTVs up to 85%.

Flexible income qualification options including bank statements, 1099s, and tax returns for primary residences, second homes, and investment properties with loan amounts up to $3.5M.

A non-QM program for self-employed borrowers that uses a CPA, EA, or CTEC-prepared profit and loss statement to determine income, eliminating the need for bank statements.

A non-QM program for self-employed borrowers that utilizes CPA-verified gross receipts and bank statements to qualify, requiring as little as 3 months of statements.

A bank statement loan program for self-employed borrowers that uses a sliding scale expense factor to determine income, allowing for larger loan amounts.

A bank statement loan program for primary and second homes, designed for self-employed borrowers using 12 or 24-month personal or business bank statements.

A non-QM loan program utilizing 12-month business bank statements for income qualification, allowing for the inclusion of non-occupant co-borrowers to assist with loan eligibility.

A bank statement loan program for self-employed borrowers that allows qualification using 12 months of personal or business bank statements, or a combination of P&L and bank statements.

Non-QM ITIN loan program for purchase and cash-out refinance, offering up to 85% LTV and loan amounts up to $1.5 million.

A bank statement loan program for self-employed borrowers using 12 or 24 months of personal or business bank statements to qualify.

Non-QM loan program for self-employed borrowers that uses 12 or 24 months of bank statements to verify income instead of traditional tax returns.

Income qualification program using profit and loss statements instead of bank statements.

Bank statement program for self-employed borrowers requiring only 3 months of statements with up to 90% LTV.

A non-QM program for self-employed borrowers requiring only one year of self-employment history and qualifying with 12 months of bank statements and the previous year's W-2.

A bank statement loan program designed for self-employed borrowers, now featuring a minimum FICO score requirement of 660.

A non-QM loan program for self-employed borrowers that uses 12 months of bank statements to verify income, suitable for primary residences, second homes, and investment properties.

A non-QM bank statement loan program for self-employed borrowers, featuring streamlined digital submission and automated income calculation.

A non-QM loan program for self-employed borrowers that uses profit and loss statements for income qualification instead of tax returns or bank statements.

A non-QM loan program for self-employed borrowers using bank statements to verify income with a 25% default expense ratio.

A non-QM loan program designed for self-employed borrowers that utilizes profit and loss statements instead of bank statements.

A closed-end second lien program that allows borrowers to access equity in primary residences, second homes, and investment properties without refinancing their first mortgage. It offers flexible income documentation options or DSCR qualification.

Alternative documentation loan program offering 12-month bank statement options up to 90% LTV, asset depletion, and P&L options.

Bank statement loan program for self-employed borrowers featuring flexible expense factors and no requirement for a CPA letter.

A non-QM loan program for self-employed borrowers that uses unaudited profit and loss statements to verify income instead of bank statements or tax returns.

A non-QM bank statement loan for self-employed borrowers requiring only 12 months of bank statements to qualify, with no tax returns needed.

A bank statement loan program for self-employed borrowers using 12 months of personal or business bank statements to qualify.

A non-QM loan program for self-employed borrowers that uses a 12-month P&L statement prepared by a professional instead of tax returns to verify income.

A flexible Non-QM program that allows borrowers to combine multiple income sources including W2, 1099, rental, and bank statements to qualify for higher loan amounts without requiring tax returns.

Bank statement loan program that does not require tax returns, with income calculated by the lender prior to submission.

A comprehensive suite of Non-QM loan products including bank statement, DSCR, P&L only, and ITIN options with up to 85% LTV and loan amounts up to $4 million.

Bank statement loan program for self-employed borrowers allowing up to 90% LTV with 12-month bank statement documentation.

A fixed-rate second lien program for primary residences using 12 or 24 months of bank statements for income qualification, with credit scores from 680.

Bank statement loan program for self-employed borrowers using 12 months of personal or business bank statements to qualify.

Non-QM loan program for self-employed borrowers using bank statements to verify income with down payments as low as 10%.

Non-QM loan program for self-employed borrowers using bank statements to verify income, featuring fast income calculations.

A bank statement loan program for self-employed borrowers that requires no tax returns and allows for qualifying income based on gross receipts or business deposits.

ITIN loan program for purchase and rate-term refinances with options for self-employed or W-2 borrowers, as well as DSCR options for investment properties.

A non-QM loan program utilizing a Written Verification of Employment (WVOE) to qualify borrowers without the need for W2s, tax returns, or paystubs.

A non-QM loan program for 1099 earners that qualifies borrowers using up to 90% of gross 1099 income without requiring tax returns.

Alternative income documentation program for self-employed borrowers using bank statements to verify income instead of tax returns.

Flexible Non-QM second mortgage solutions for self-employed and complex borrowers with loan amounts up to $1MM and CLTV up to 85%.

A closed-end second mortgage for primary residences available with full documentation or bank statement income verification options.

A non-QM loan program for self-employed borrowers that uses CPA-prepared profit and loss statements for income documentation, eliminating the need for bank statements.

Bank statement loan program for self-employed borrowers with options up to 90% LTV.

A bank statement program for primary and second homes that qualifies borrowers using summary pages with no full statement review or deposit sourcing.

A flexible HELOC program for primary, second homes, and investment properties with up to 95% CLTV and no initial draw requirement.

A non-QM loan program for self-employed borrowers that uses unaudited profit and loss statements for income qualification, requiring no bank statements or tax returns.

Jumbo loan program for primary, second, and investment properties with loan amounts up to $3 million, offering bank statement or full documentation options.

A non-QM bank statement program for self-employed borrowers that uses 12 months of bank statements to calculate income and allows for as little as 10% down.

A fixed-rate second lien program for primary residences using 12 or 24-month bank statements for income qualification, with credit scores starting at 680.

A closed-end second lien loan option that supports various income documentation types or DSCR qualification for cash-out needs.

A non-QM loan program for self-employed borrowers that uses 12 months of bank statements to qualify for income, requiring no tax returns.

A non-QM bank statement program for service and tip industry workers that uses 12-24 months of bank deposits to calculate income without requiring tax returns.

A closed-end second lien mortgage program available for owner-occupied, second home, and investment properties with fixed-rate terms of 10, 20, and 30 years.

Non-QM bank statement program for primary residences allowing business or personal statements with no tax transcripts required.

A non-QM second mortgage program allowing borrowers to access home equity without impacting their existing first mortgage rate. Available with various income documentation types including bank statements, P&L, 1099, WVOE, DSCR, and full documentation.

A non-QM bank statement program offering 12 or 24-month income documentation options for self-employed borrowers, accepting personal, business, and co-mingled accounts.