Loan Programs
Non-QM & Alternative Doc
For self-employed borrowers, complex income, or recent credit events — bank statement, 1099, P&L, asset depletion, ITIN, and foreign national options.
Alt-Doc — Self-Employed
12-Month Bank Statement
Qualify on 12 months of personal or business bank deposits instead of tax returns.
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Alt-Doc — Self-Employed
24-Month Bank Statement
Two years of bank statements — often with better pricing and higher LTV than 12-month programs.
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Alt-Doc — Second Lien
Bank Statement HELOC
HELOC or fixed 2nd qualified using bank statements — no tax returns.
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Alt-Doc — Self-Employed
1099-Only Income
Qualify on 1–2 years of 1099s — no tax returns required. Ideal for independent contractors.
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Alt-Doc — Self-Employed
P&L Only
Qualify on a CPA-prepared profit & loss statement. No bank statements or tax returns for income.
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Alt-Doc — W-2
WVOE Only (W-2 Employee)
Qualify on a Written Verification of Employment alone — no paystubs or tax returns.
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Alt-Doc — Asset-Based
Asset Qualifier / Asset Depletion
Qualify using liquid assets depleted over a loan term — no income documentation required.
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Alt-Doc — Equity Comp
RSU / Restricted-Stock Income
Qualify using RSU vesting schedules — common for tech, biotech, and finance employees.
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Alt-Doc — Credit Recovery
Recent Credit Event (BK / FC / SS)
Loans for borrowers with a recent bankruptcy, foreclosure, or short sale — as little as 1 day out of seasoning.
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Alt-Doc — Non-Resident
ITIN Mortgage
Home financing for borrowers with an Individual Tax Identification Number (ITIN) instead of SSN.
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Alt-Doc — Non-Resident
Foreign National
Non-US-resident buyers — no US credit required, documentation from home country accepted.
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Alt-Doc — Property Type
Non-Warrantable Condo
Financing for condos that don't meet Fannie/Freddie warrantability (high investor concentration, HOA litigation, commercial share).
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Alt-Doc — Property Type
Condotel
Financing for condominium units in hotel-operated buildings (short-term rental pools).
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FAQ
Common questions
What is a non-QM mortgage?
Non-QM (non-qualified mortgage) loans use alternate income documentation when a traditional W-2 underwrite doesn't fit — common for self-employed, commission, ITIN, foreign national, and recent credit-event borrowers. They are fully underwritten products, not "no-doc" loans.
Is bank statement financing only for self-employed borrowers?
Primarily yes. Most bank-statement programs qualify using 12 or 24 months of personal or business deposits instead of tax returns. Some 1099-only and P&L-only products serve similar borrower profiles with different paper trails.
Do non-QM loans cost more than conventional?
Pricing is usually higher than prime conventional because risk overlays differ — but for borrowers who cannot document income the conventional way, non-QM is often the only path that actually closes. We price multiple wholesalers so you see the real spread.
Can ITIN and foreign national borrowers buy in California?
Yes, through specialized non-QM programs. Documentation, down payment, and reserves differ from citizen/resident conventional loans. Scenario reviews are free — bring passport/visa status, income source, and target property type.