Non-QM & Alternative Doc

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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