Unconventional Mortgages and Loans (800) 718-8906

Unconventional Mortgages and Loans

Customer Service: (800) 718-8906

Mortgages - No Form 4506-C

No Tax Return Transcripts / 4506-C "4506" refers to IRS Form 4506, which allows lenders to request a transcript of a borrower's tax return directly from the IRS. Here's a summary tailored for a mortgage loan program:
In our mortgage loan programs, we differentiate ourselves by not requiring IRS Form 4506-C. This means that borrowers do not need to provide the IRS transcript of their tax returns as part of the application process. By eliminating this requirement, we streamline the application process and offer borrowers a simpler, more efficient experience. This feature distinguishes our mortgage programs and provides borrowers with greater flexibility and convenience when applying for loans.

Exception-Based Non-Prime Loan

Specialized lender leads the way in the Non-Prime niche mortgage lending space with over 50 years of collective wholesale lending and loan origination experience and have streamlined the approval and

Read More »

Non-Prime Non-Qualified Loan Programs

Non-Prime Mortgage Lender Programs and Highlights Now you can use your 1099(s) for to qualify (sole proprietor) as additional income/”ability to repay” Non-Prime – Alt Doc (Form 4506-C Not Required)

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Non-QM Lender – Stated Expense Ratio

Alternative Bank Statement Income | Non-QM Mortgage Broker * Other Alt Doc, Reduced Doc, and Lite Doc Options Available -1099 Only -Investor Cash Flow DSCR -Asset Qualifier -Asset Distribution *

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Non-QM Portfolio Lender Loan Programs

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 with favorable pricing, reasonable terms,

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Debt Service Coverage Ratio Program

Business Purpose Investor Loan Programs Loan programs for home buyers and homeowners looking to refinance, rate/Term and Cash Out their Single-Family Residence, Condo or Multi-Unit including Investors. Debt Service Coverage

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12 Month Bridge Loan

12 Month Bridge Program Lending Partner with the Flexibility to Deliver Results 12 Month Bridge Loan allows Borrowers Access to the Equity in their Property Before it is Sold. Occupancies:

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90% LTV – ITIN Investors

Foreign Nationals are buying properties now more than ever which means good & effective Buying Power for the foreign national and also more and more experience for us with the

Read More »

DSCR .75% Jumbo Mortgage

Debt Service Coverage Ratio Loan Program Guidelines and Requirements Experienced Real Estate Investors – 25 Financed Properties – OK Most investor loan programs will max the borrower/investor at 10 financed

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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: –

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Condo Mortgage 90% LTV Jumbo

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 – 680 Credit Score

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Stand-Alone Second Mortgage

Alt Doc – Second Mortgage Bank Statement Mortgage Loan Stand-Alone Second Mortgage Program (cash out can be used to meet reserve requirement) This product is ideal for the borrower that

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Asset Depletion Program

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) accounts on either a 6-month,

Read More »

6 Month Bank Statement Mortgage Loan

Alternative Income Documentation for Self-Employed and W2 Commission Business Professionals This 6 Month Super Jumbo Bank Statement Non-Qualified Mortgage (/non-qualified-mortgages) (Non-QM) loan program is for all residential property types and

Read More »

Non-QM Interest-Only Jumbo Program

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 Single Family Residence – Owner-Occupied

Read More »

Non-QM Low Doc Jumbo

Non-Qualified Mortgage Jumbo Programs This Non-QM mortgage product is from a Portfolio lender and is unique unseasoned employment and super jumbo loan amounts. Non-QM Income Documentation for Self-Employed Borrowers and

Read More »

Alternative Income Documentation

Contact a Loan Officer

Non-Qualified Mortgage Lending

One Month Bank Statement Loan

Alt Doc Niche Loans

Bank Statement Loan Refinance

Non-QM Mortgage Lender Loans

Credit Score Tools

Hard Money Mortgage Loans

Niche Loans

No Tax Return Transcripts / 4506-C “4506” refers to IRS Form 4506, which allows lenders to request a transcript of a borrower’s tax return directly from the IRS. Here’s a summary tailored for a mortgage loan program:
In our mortgage loan programs, we differentiate ourselves by not requiring IRS Form 4506-C. This means that borrowers do not need to provide the IRS transcript of their tax returns as part of the application process. By eliminating this requirement, we streamline the application process and offer borrowers a simpler, more efficient experience. This feature distinguishes our mortgage programs and provides borrowers with greater flexibility and convenience when applying for loans.

Exception-Based Non-Prime Loan

Specialized lender leads the way in the Non-Prime niche mortgage lending space with over 50 years of collective wholesale lending and loan origination experience and have streamlined the approval and

Read More »

Non-Prime Non-Qualified Loan Programs

Non-Prime Mortgage Lender Programs and Highlights Now you can use your 1099(s) for to qualify (sole proprietor) as additional income/”ability to repay” Non-Prime – Alt Doc (Form 4506-C Not Required)

Read More »

Non-QM Lender – Stated Expense Ratio

Alternative Bank Statement Income | Non-QM Mortgage Broker * Other Alt Doc, Reduced Doc, and Lite Doc Options Available -1099 Only -Investor Cash Flow DSCR -Asset Qualifier -Asset Distribution *

Read More »

Non-QM Portfolio Lender Loan Programs

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 with favorable pricing, reasonable terms,

Read More »

Debt Service Coverage Ratio Program

Business Purpose Investor Loan Programs Loan programs for home buyers and homeowners looking to refinance, rate/Term and Cash Out their Single-Family Residence, Condo or Multi-Unit including Investors. Debt Service Coverage

Read More »

12 Month Bridge Loan

12 Month Bridge Program Lending Partner with the Flexibility to Deliver Results 12 Month Bridge Loan allows Borrowers Access to the Equity in their Property Before it is Sold. Occupancies:

Read More »

90% LTV – ITIN Investors

Foreign Nationals are buying properties now more than ever which means good & effective Buying Power for the foreign national and also more and more experience for us with the

Read More »

DSCR .75% Jumbo Mortgage

Debt Service Coverage Ratio Loan Program Guidelines and Requirements Experienced Real Estate Investors – 25 Financed Properties – OK Most investor loan programs will max the borrower/investor at 10 financed

Read More »

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: –

Read More »

Condo Mortgage 90% LTV Jumbo

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 – 680 Credit Score

Read More »

Stand-Alone Second Mortgage

Alt Doc – Second Mortgage Bank Statement Mortgage Loan Stand-Alone Second Mortgage Program (cash out can be used to meet reserve requirement) This product is ideal for the borrower that

Read More »

Asset Depletion Program

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) accounts on either a 6-month,

Read More »

6 Month Bank Statement Mortgage Loan

Alternative Income Documentation for Self-Employed and W2 Commission Business Professionals This 6 Month Super Jumbo Bank Statement Non-Qualified Mortgage (/non-qualified-mortgages) (Non-QM) loan program is for all residential property types and

Read More »

Non-QM Interest-Only Jumbo Program

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 Single Family Residence – Owner-Occupied

Read More »

Non-QM Low Doc Jumbo

Non-Qualified Mortgage Jumbo Programs This Non-QM mortgage product is from a Portfolio lender and is unique unseasoned employment and super jumbo loan amounts. Non-QM Income Documentation for Self-Employed Borrowers and

Read More »

Alternative Income Documentation

Contact a Loan Officer

Non-Qualified Mortgage Lending

One Month Bank Statement Loan

Alt Doc Niche Loans

Bank Statement Loan Refinance

Non-QM Mortgage Lender Loans

Credit Score Tools

Hard Money Mortgage Loans

Niche Loans

Credit Score Tools

One Month Bank Statement Loan

3 Month Bank Statement Loans

Self-Employed Programs