Alternative Doc Mortgages are Available!

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What is an Alt-Doc mortgage?


About Altervtive-Doc Loans

Traditionally self-employed borrowers have had a hard time securing financing due to the way the tax code is set up in the United States. The challenge is around how self-employed income is calculated by Fannie Mae and Freddie Mac. I am pleased to announce we now have a solution to this. In the industry, we call these non-QM, as they are not sold to the same investors as a traditional mortgage. This means guidelines build around self-employed borrowers. Welcome home!

The Non-QM Mortgage Loan Process

Here’s how our home loan process works:

  • We will calculate your income using either bank-statements or 1099’s!
  • No tax documents are required, we apply an expense ratio to the income, rather than what you write off.
  • Follow your CPA’s advice for savings AND qualify for a mortgage!
  • Choose the offer that best fits your needs.
  • Fixed-rate and Adjustable-rate options are available.
  • Owner-Occupant and Investor properties are okay!

Do I Qualify?

For self-employed borrowers, securing financing has been a challenge that can take years of costly preparation and thousands in unnecessary taxes. This is unfair, in our opinion, as everyone deserves a shot at the American dream.

  • 12 or 24 Month Bank-Statment Or 1099’s
  • No Tax Returns Required
  • Fixed and Adjustable Rates Available
  • Credit as low as 660 

Is Alt-Doc Right For Me?

Ask Our Self-Employment Specialists Today!