Unconventional Loans
Flexible options for every financial situation
Home loans that work even when traditional options don’t
Finding the right home loan can be simpler than you think. Whether you’re self-employed, building credit, or investing in property, there are programs designed to fit your unique situation. These options look beyond traditional income requirements to make qualifying easier and more flexible.
From bank statement and 1099 loans to asset-based and investment property options, each program is built to help you reach your goals. No matter where you are in your financial journey, you’ll find solutions that make homeownership—and financial growth—more accessible than ever.
Bank Statement Loans
If you’re self-employed, qualify using your bank statements instead of tax returns. Lenders review deposits to understand your real income. It’s a flexible option for both regular and jumbo loans.
1099 Loans for Self-Employed
Freelancers and contractors can qualify using 1099 income forms instead of pay stubs. It’s designed for independent earners. Get a mortgage that fits the way you actually work.
Asset Depletion Loans
Turn your savings or investments into qualifying income. Lenders divide your assets over 60 months to calculate monthly income. Great for those with strong assets but less steady cash flow
Retirement Asset Depletion
Use your IRA balance as income to help qualify for a mortgage. Lenders divide the total over 36 months. It’s a smart way to buy a home during retirement.
Stackable Income Loans
Combine multiple income sources—bank statements, 1099s, or assets—to qualify. This option gives you more flexibility. It’s a great way to maximize your buying power.
Low Credit Score Loans
Don’t let less-than-perfect credit hold you back. These loans help more borrowers qualify for homeownership. It’s a confident step toward your next home.
Debt Service Cover Ratio Loans
Investors can qualify using rental income from the property instead of personal income. Lenders look at what the property earns, not your paycheck. It’s a streamlined way to grow your real estate portfolio.
Buy Before You Sell
Use your current home’s equity to buy a new one—before selling. No need to rush or time both transactions perfectly. It’s a smooth, stress-free way to make your next move.
Brokered HELOC’s and 2nd Mortgages
Unlock your home’s equity with flexible options. Choose from Bank Statement, 1099, or Investment Property or Higher DTI options HELOCs, all designed to fit your unique financial situation.
Why These Loans Make a Difference
These specialized loan programs are designed to give you more ways to qualify, even if traditional mortgages don’t fit your situation. Self-employed borrowers, investors, and those with multiple income sources can all find solutions that work for them. By looking at your real income, assets, or property earnings, lenders can give you a better chance to get approved and take the next step toward homeownership.
How Members Benefit
With these flexible options, members can make homeownership a reality on their terms. You can combine income sources, use your home’s equity, or even tap retirement or investment assets to qualify. That means more buying power, more financial flexibility, and the ability to take the next step—whether it’s buying your first home, upgrading, or expanding your real estate investments. Each program is designed to make the process easier, giving members the tools to reach their goals without unnecessary hurdles.