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Self-Employed Home Loans
Self-Employed Home Loans
Purchase or re-finance a property today with No Tax Returns Required! Our Self-Employed Home Loans are designed specifically for business owners. Whether you are buying a new home, cashing out, or refinancing, we have a program that can get you the property you desire.
Bank Statement Loan
Bank Statement Loan
To qualify for this loan, we allow the use of 12 and 24 months of business or personal bank statements for income rather than tax returns.
FAST AND AFFORDABLE FINANCING:
30 Year Fixed and ARM Options
Up to 90% LTV
Loan amounts up to $4 million
MINIMUM BUSINESS REQUIREMENTS:
12 months removed from bankruptcy or foreclosure
FICO 580+
DOCUMENTS REQUIRED:
Application Below
12-24 Months of business and personal bank statements
P&l Based Loan
P&l Based Loan
Borrowers can qualify for a loan based on the strength of their business’s Profit & Loss (P&L) statement only. No bank statements are required.
FAST AND AFFORDABLE FINANCING:
Up to 85% LTV on 2 Year P&L
Up to 80% on 1 Year P&L
30 Year Terms and ARM Options
Max DTI 55%
Loan amounts up to $4 million
MINIMUM BUSINESS REQUIREMENTS:
12 months removed from bankruptcy or foreclosure
FICO 580+
DOCUMENTS REQUIRED:
Application Below
P&L by Licensed CPA, Enrolled Tax Agent, or Licensed Tax Preparer
Investment Property Loan
Investment Property Loan
Borrowers are able to purchase or re-finance a property without any sort of income (no employment, no tax returns, W2s, or paystubs). This loan is based on the rental income generated from an investment property rather than your personal/business income.
FAST AND AFFORDABLE FINANCING:
Up to 80% LTV
Loan amounts up to $3 million
30 Year Fixed and ARM Options
No income or employment verification
DSCR as low as 0
Cash-out proceeds may be used for reserves
Eligible for Non-Permanent Residents and Foreign Nationals
MINIMUM BUSINESS REQUIREMENTS:
12 months removed from bankruptcy or foreclosure
FICO 599+
DOCUMENTS REQUIRED:
Application Below
Fix N Flip Loan
Fix N Flip Loan
Fix N Flip loans are perfect for investors looking to fix and flip a home.
FAST AND AFFORDABLE FINANCING:
Up to 90% LTV
Up to 100% of renovation/rehab costs
Interest only, 12-24 month terms
Fully amortized – interest stops when loan is paid in full
MINIMUM BUSINESS REQUIREMENTS:
12 months removed from bankruptcy or foreclosure
FICO 580+
DOCUMENTS REQUIRED:
Application Below
1099/WVOE Programs
1099/WVOE Programs
Uses the actual wages from your 1099 form as qualifying income for your new home loan. Alternatively, we offer a Written Verification of Employment (WVOE) Program as well.
FAST AND AFFORDABLE FINANCING:
Up to 80% LTV for WVOE
Up to 90% LTV for 1099
Loan amounts up to $4 million
DTI 55% Max
Cash out available
MINIMUM BUSINESS REQUIREMENTS:
12 months removed from bankruptcy or foreclosure
FICO 580+
DOCUMENTS REQUIRED:
Application Below
Completed FNMA Form 1005 for 2-year history with the same employer
Non Permanent Resident Program
Non Permanent Resident Program
Home loans for non-U.S. citizens who are authorized to live and work in the U.S. on a temporary basis.
FAST AND AFFORDABLE FINANCING:
Up to 90% LTV
30 Year Terms
MINIMUM BUSINESS REQUIREMENTS:
12 months removed from bankruptcy or foreclosure
FICO 620+
DOCUMENTS REQUIRED:
Application Below
12-24 Months Business or Personal Bank Statements
Foreign National Program
Foreign National Program
Allows borrowers living abroad to purchase or re-finance a property in the United States. This program has a flexible, alternative documentation process with realistic guidelines which helps more borrowers to qualify.
FAST AND AFFORDABLE FINANCING:
Up to 80% LTV
30 Year Terms
Loan amounts up to $3 million
Cash-out allowed
Debt service coverage ratio as low as 0
Overseas assets allowed as reserves
Gift funds allowed
MINIMUM BUSINESS REQUIREMENTS:
12 months removed from bankruptcy or foreclosure
FICO Not Required
DOCUMENTS REQUIRED:
Application Below
CPA Letter covering last 2 years & year-to-date
One bank reference letter
Commercial Property Loans
Commercial Property Loans
As a self-employed business owner, we help you take advantage of commercial purchase and re-finance opportunities. We can facilitate commercial property transactions without business tax returns.
FAST AND AFFORDABLE FINANCING:
Up to 80% LTV
“No Doc” Loans Available (No Tax Returns, No Income Check)
25-30 Year Terms
Owner Occupied and Investment Properties
No Sourcing or Seasoning of Funds
Mixed-Use, Warehouses, Retail, Apartment Complexes, Office Buildings
Traditional “Full Doc” Options Available As Well
MINIMUM BUSINESS REQUIREMENTS:
FICO 700+
DOCUMENTS REQUIRED:
Application Below
Asset Utilization Home Loan
Asset Utilization Home Loan
Allows borrowers to use their assets as a means to qualify for a home loan. Whether you are an investor, self-employed, an entrepreneur, retired, or simply living off investments, this program allows you to qualify.
FAST AND AFFORDABLE FINANCING:
FICO 580+
Up to 80% LTV
Cash-out up to 75% CLTV
Savings and checking 100%
Securities at 90%
Retirement at 70%
Cash out available
Income calculation – all eligible assets divided by 60
MINIMUM BUSINESS REQUIREMENTS:
12 months removed from bankruptcy or foreclosure
FICO 580+
DOCUMENTS REQUIRED:
Application Below
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