Mortgage Solutions Built Around How You Qualify
Choose the documentation option that fits your financial situation. Whether you qualify with traditional income or alternative documentation, our streamlined process makes collecting and submitting documents easier than ever.
For Every Income Story
Alternative & Full Documentation Loans
Qualify using the documentation that best reflects how you earn income—not a one-size-fits-all approach.
Whether you qualify with Bank Statements, 1099s, VOEs, P&Ls, or traditional W-2s and tax returns, our flexible mortgage solutions simplify the process and help you move toward homeownership with confidence.
Apply TodayBuilt Around How You Qualify
We believe qualifying for a mortgage should be based on your financial story—with a process designed around the right documentation for your situation.
Whether you’re applying with Alternative Documentation or Full Documentation, our technology-powered process makes it easy to securely submit, organize, and verify your documents for a smoother path to closing.
- Simplified document collection – Simple income validation through our digital verification methods.
- Flexible qualification – Alternative Documentation & Full Documentation options
- A guided digital experience – fewer hassles from application to closing
4-Step Lending Process
A simple, transparent approach to exploring your loan options. Discover programs and plan your next move. Give us a call for next steps.
Our Footprint is Expanding
We’re proud to be offering Alternative and Full Documentation loans across the following states, allowing us to support borrowers with reliable mortgage solutions wherever they’re searching for their next home or investment opportunity.
Explore the map to see the states where we are currently accepting applications as we continue building accessible, modern lending solutions nationwide.
Launch Your FinancingSolutions for Every Borrower Type
Frequently Asked Questions
Depending on the program, income may be verified using:
- Personal bank statements
- Business bank statements
- 1099 forms
- Verification of Employment (VOE)
- Profit & Loss (P&L) statements
- Asset depletion
- Rental income (DSCR loans)
- Paystubs and W2’s
- Tax returns
A Bank Statement loan allows eligible borrowers to qualify using deposits shown on their personal or business bank statements instead of tax returns.
Most programs require either:
- 12 months of bank statements, or
- 24 months of bank statements
Yes. Many Bank Statement loan programs do not require personal or business tax returns for income qualification.
Business bank statements or personal bank statements are accepted for many self-employed borrowers. An expense factor is typically applied unless an accountant provides documentation supporting actual business expenses. Many borrowers qualify using personal bank statements when business income is deposited directly into a personal account.
A 1099 loan allows independent contractors and self-employed professionals to qualify using their 1099 income instead of tax returns.
These loans are commonly used by:
- Realtors
- Insurance agents
- Consultants
- Truck drivers
- Healthcare professionals
- Sales professionals
- Freelance
- Gig workers
Often, no. Many 1099 programs qualify borrowers using gross 1099 income without requiring tax returns.
A Verification of Employment (VOE) loan qualifies borrowers using a written Verification of Employment completed by their employer instead of traditional income documents.
VOE loans are commonly used by:
- Employees with non-traditional payroll structures
- Borrowers who cannot easily document income using tax returns
A Profit & Loss loan allows self-employed borrowers to qualify using a year-to-date Profit & Loss statement instead of tax returns.
Yes. Non-QM loans may be used for primary residences, second homes, and investment properties, depending on the loan program.
Absolutely. Many borrowers use Non-QM financing for:
- Rate-and-term refinances
- Cash-out refinances
- Debt consolidation
- Accessing home equity
The right program for you depends on how you earn your income. A mortgage specialist can review your financial situation and recommend the income documentation option that provides the best solution to fit your needs.
Find the Right Loan for Your Financial Story
Whether you qualify with Alternative Documentation or Full Documentation, we make it easy to explore flexible mortgage solutions with a streamlined application and secure digital document collection.