Did you know self-employed borrowers can qualify to buy a home or refinance using bank statements. No tax returns are required. Programs start with as little as 10% down with no mortgage insurance.
Most 1099 borrowers do not qualify for traditional financing based on the expenses on the tax returns. Our program does not require tax returns. We only use a 10% expense factor . This allows more flexibility and options
Some borrowers have multiple deposits, multiple NSF's, Zelle, Venmo, and wire deposits. The profit and loss can be done by a CPA or an enrolled agent. Some of our investors allow a self prepared as well
Buy and refinance 1-4 family homes, Small mixed use properties and up to 10 units residential No income or job is required. Qualify based on rents collected. Use cash out to grow your real estate portfolio
A conventional loan is a type of loan that is not insured by the government. Conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.
VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no ...
A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $806,500 in 2025
