Category: Programs We Offer
Last Updated: 23 January 2020

Jumbo Second Mortgage | Form 4506-T Not Required

80% LTV 2nd mortgage to $350,000 Alt-Doc for Self-Employed Borrowers and Full Doc for everyone.

This program is a Non-QM (non-qualified mortgage) with some Non-Prime qualities.

Below are some specific underwriting guidelines and credit notes:

Typically, lenders will require conventional income documentation to qualify for their mortgage programs, examples include:

Conventional "Full Doc"

This lender and program do not require traditional income documentation. Furthermore, 4506-T Not Required.

Unconventional "Alt Doc"

Required Alternative Income Documentation:

Bank Statements Only with a "Borrower Prepared" and Unaudited Profit & Loss Statement

24 Months Personal or Business Bank Statements

Available Loan Amounts:

Credit Score: 550 minimum

50% Debt to Income (DTI)


Property Types:




Alabama, Arizona, California, Colorado, Delaware, Florida, Georgia, Idaho, North Carolina, Oregon, Texas, Utah, Virginia, and Washington


Reference# - 545221