Other Loan Options

Traditional mortgage loans don’t always fit every borrower’s financial situation. For self-employed individuals, real estate investors, or those with non-traditional income, Non-Qualified Mortgage (Non-QM) loans offer flexible financing solutions. These loan programs allow borrowers to qualify using alternative income documentation rather than traditional tax returns and W-2s.

For self-employed borrowers or business owners who don’t show sufficient income on tax returns, bank statement loans allow qualification based on personal or business bank deposits.

• Uses 12–24 months of bank statements to verify income instead of tax returns.
• Available for self-employed individuals, freelancers, and entrepreneurs.
• Loan amounts up to $3M+ (depending on lender guidelines).
• No need for traditional tax return verification.

For borrowers with significant liquid assets, asset utilization loans allow qualification based on assets rather than income.

• Uses stocks, bonds, retirement accounts, or cash savings to calculate income.
• No need for traditional employment or income verification.
• Ideal for high-net-worth individuals and retirees.

For buyers looking to purchase land for future development or investment, land loans offer financing solutions for various property types.

• Financing available for residential, commercial, and agricultural land.
• Options for improved and unimproved land.
• Down payment requirements typically 20%–50%.
• Can be used for future home construction or investment purposes.

A HELOC allows homeowners to borrow against their home’s equity, offering flexibility for home improvements, debt consolidation, or investment opportunities.

• Borrow up to 85% of home value.
• Revolving line of credit with interest-only payment options.
• Can be used for home improvements, debt consolidation, or investment purchases.

VOE-only loans allow borrowers to qualify based solely on employment history, without needing full tax returns or bank statements.

• Lender verifies income through employer-only verification.
• No tax returns or bank statements required.
• Ideal for W-2 employees with minimal deductions.

Designed for independent contractors and gig workers, 1099-only loans allow qualification using only 1099 tax forms.

• Uses one to two years of 1099 forms to determine qualifying income.
• No need for full tax returns or W-2s.
• Ideal for freelancers, independent contractors, and gig economy workers.

Beyond these popular programs, there are additional Non-QM loans designed for unique financial situations. Please contact us if you still haven't found your situation!