Unconventional Mortgages and Loans (800) 718-8906

Unconventional Mortgages and Loans

Customer Service: (800) 718-8906

12 Month Bank Statement Alt Doc

Self-Employed Home Loan – One-Year Lite Doc VOE – 90% LTV – 680 Credit Score

Super Jumbo Loan Amount – $15,000,000. ($3,000,000 maximum cash out/cash-in-hand)

Self-Employment Doc Type VOE: – One year Verification of Employment

* Cash Out Refinance 85% LTV – 660 Credit Score

* 12 and/or 24 Months Personal Bank Statement

* Profit and Loss Statement: Borrower Prepared and Unaudited P&L Options

An Expense Factor (expense ratio) is a percentage determined by the Loan Officer and signed off on by the underwriter. Criteria for the underwriter to consider is the:

* Scope (Business Narrative Form) of the company

* Asset Depletion

Self-Employed Borrower Verification of Employment Documentation | VOE

* CPA, Enroll Agent, or Professional Tax Preparer to state percentage of business ownership. Have been filing Self-Employed tax returns for previous X number of years (>2years)

* W2 Wage Earner Co-Borrower – OK-

Wage Earner Docs:

* Previous Year W2 and Recent Paycheck Stubs for the previous 30 days

* Written Verification of Employment | WVOE. Standard form sent to and completed by Employer Human Resource Department or Direct Supervisor

55% Maximum Debt-to-Income Ratio | DTI

Credit: Notes:

* One Mortgage Late in Previous 12 Months, OK.

* Asset Depletion Available for W2 Wage Earner and Self-employed

* 600 Minimum Middle Credit Score

* Can own up to 20 Financed Properties

Available in the Following States:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Kansas, Massachusetts, Missouri, Nevada, New Jersey, New Mexico, North Carolina, Oklahoma, Oregon, Pennsylvania, South Carolina, Texas, Vermont, Virginia, Washington, and Wisconsin.

Alternative Income Documentation

Contact a Loan Officer

Non-Qualified Mortgage Lending

Alt Doc Purchase Loans

Alt Doc Refinance Loans

Category - Non-QM Lenders