Bank statement mortgages qualify self-employed borrowers using 12 or 24 months of personal or business bank deposits. No tax returns. Up to 90% LTV.

P&L-only mortgages qualify business owners using a CPA-prepared profit and loss statement. No bank statements, no tax returns. Fastest non-QM doc type.

1099-only mortgages qualify independent contractors using their last 1 or 2 years of 1099 forms. No tax returns required. Up to 90% LTV available.

Asset-qualifying (asset depletion) mortgages let high-net-worth borrowers qualify using liquid assets in lieu of income. Ideal for retirees and investors.

ITIN mortgages allow borrowers without a Social Security Number to qualify for a primary residence loan using an Individual Taxpayer Identification Number.

Foreign national mortgages for non-US-resident buyers of second homes and primary residences. No US credit, no US tax returns, qualify with reserves.

Mortgage programs for borrowers with 500-620 FICO scores. Non-QM and FHA options accept lower credit when other factors compensate. Available nationwide.

No-income, no-employment verification mortgage programs. Qualify on assets, credit, and property value alone. Ideal for retirees and high-net-worth buyers.

Mortgages for rural homes and properties with acreage. USDA, conventional, FHA, and non-QM programs cover rural homes, farmettes, and small acreage parcels.

Mortgage programs that accept 100% gift funds for down payment and closing costs. No minimum borrower contribution. FHA, conventional, and non-QM options.

Mortgages for manufactured homes on owned land. FHA, conventional, VA, and non-QM options available. Real-property titled units (not personal property).

Temporary rate buydown mortgages: 2-1 buydown saves on years 1-2, 3-2-1 buydown saves on years 1-3. Seller-paid common in current rate environment.

Mortgages that use AVM (Automated Valuation Model) instead of a full appraisal on qualifying loans. Faster close, lower cost. Available on select programs.

Home equity lines (HELOC) and closed-end second mortgages up to 85-90% CLTV. Tap home equity without refinancing your first mortgage. Available nationwide.

State and local down payment assistance programs for first-time homebuyers. Grants, forgivable seconds, and deferred-payment seconds. Available nationwide.