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Alternative Income Verification Loans

Below are some of the advantages that alternative income verification loans (also known as “bank statement loans”) offer:

  • Qualify with a credit score as low as 500.

  • LTVs up to 90% with no MI

  • Loan amounts up to $7,500,000.

  • Option to use only 1 month’s bank statement.

  • No tax returns or income documentation is required (only bank statements).

How it Works

What is an alternative income verification loan?

An alternative income verification loan is a mortgage program that allows you to use your bank statements to verify income instead of tax returns.  These programs are intended for self-employed borrowers who are unable to qualify for a conventional loan.

Who is eligible for these programs?

Any self-employed borrower may be eligible for an alternative income verification loan. This includes a wide range of people, such as business owners, entrepreneurs , freelancers, gig workers, contractors, and many other types of self-employed professionals. If you are self-employed, we encourage you to see if this is the right type of mortgage program for you!