Why Choose a non-qualified mortgage?
No Traditional Income Documents Needed
Use bank statements, 1099s, or P&L instead of tax returns.
Designed for Investors & Entrepreneurs
DSCR loans and flexible income rules make it easier for self-employed borrowers.
Credit Flexibility with Higher Loan Limits
Recent credit events or unique profiles? You still have options.
All products
We have the loans to achieve your goals.
Bank Statements
• Qualify using 12 or 24 months of personal or business statements
• No tax returns needed
• Available for self-employed borrowers
Asset Depletion
• Assets converted to income stream for qualification
• Good for retirees or high-net-worth borrowers
1099 Income
• Use one or two years of 1099s
• No tax return required
DSCR
• No personal income docs required
• Qualification based on rental income (Debt Service Coverage Ratio)
• Designed for investors
Non-Warrantable Condo
• Available through Non-QM and Jumbo
• Lower reserves and condo review flexibility
Foreign National LOAN
• Available through Non-QM and Jumbo
• Lower reserves and condo review flexibility
P&L Only
• Qualify using borrower-prepared or CPA-prepared Profit & Loss
• No tax returns or bank statements needed
CL Equity Plus
• Piggyback second lien product
• Use to avoid mortgage insurance
• Combine with first mortgage for up to 95% combined-loan-to-value
Non-QM Gold Prime
• Designed for high-credit borrowers who don’t qualify traditionally
• Full doc, bank statement, or asset-based
Non-QM Gold Non-Prime
• Flexible for recent credit events
• Lower credit score (FICO) and higher debt-to-income allowed
2nd Liens
• Offered in combination with first mortgages
• Can be used for DPA or to avoid mortgage insurance
Agency Investor/Agency Second Home
• Standard guidelines for investment or second homes
• 15–20% down depending on occupancy
• Must meet reserve and income guidelines