Fast, Flexible Alt-Doc Loans from Enrich Loans
We make homeownership and real-estate investing possible for borrowers who don’t fit the traditional mortgage box. Our Alternative Documentation (Alt-Doc) loan programs give you the freedom to qualify without W-2s or tax returns—perfect for self-employed entrepreneurs, independent contractors, and savvy investors.
Instead of complicated paperwork, we can verify your income using bank statements, 1099s, profit-and-loss (P&L) statements, employment verifications (WVOE), asset utilization, and more. This flexible approach means:
Easier Qualification – Show your true income, even if it’s not on a W-2.
Faster Approvals & Funding – Streamlined documentation means quicker closings.
Tailored Solutions – Loans designed for business owners, freelancers, and real-estate investors.
Whether you’re buying a primary home, a vacation property, or expanding your investment portfolio, Enrich Loans empowers you to qualify sooner and move forward with confidence.
Your income isn’t one-size-fits-all—and your mortgage shouldn’t be either.
Program Highlights:
Alt-Doc Consumer
- Loan amounts up to $3M
- Up to 85% LTV
- FICOs as low as 660
- Allowable income types include: 12-months personal or business bank statements, P&L only, WVOE only (primary occupancy only), 1099 only, and asset utilization
- Up to 50% DTI
Alt-Doc Investor
- Loan amounts up to $3M
- Up to 80% LTV
- FICOs as low as 660
- Allowable income types include: 12-months personal or business bank statements, P&L only, WVOE only (primary occupancy only), 1099 only, and asset utilization
- Up to 50% DTI