How each self-employed loan program works — bank statement, 1099, P&L, asset-based, ITIN, and foreign national.
ITIN filers and foreign nationals can still buy U.S. property. Learn the two distinct loan paths for buyers without a Social Security number or U.S. credit.
Learn how a P&L-only mortgage lets self-employed borrowers qualify with a 12-month CPA-prepared profit and loss statement instead of tax returns and a 4506.
How self-employed buyers can purchase a second home or investment property using bank statement deposits instead of tax returns and business write-offs.
Asset-based mortgages let you qualify using savings, investments, and retirement balances divided by 60 months. Here's how the math works and who it fits.
See how bank statement loans use 12 or 24 months of deposits to qualify self-employed borrowers, including LTV tiers, FICO minimums, and how the program works.
What makes a condo non-warrantable, how condotels differ, and how non-QM financing handles both when the building — not the borrower — is the obstacle.
How self-employed homeowners can cash-out refinance without tax returns — qualifying with bank statements, 1099s, or assets, plus how delayed financing works.
WVOE loans let eligible borrowers qualify with an employer-completed verification form instead of paystubs, W-2s, or tax returns. Here's how the program works.
What is a self-employed mortgage? A complete guide to bank statement, 1099, P&L, WVOE, asset-based, ITIN, and foreign national loan programs in one place.