Loan Products

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 Bank Statement Loans

Designed for self-employed borrowers.

• Income verified using 12–24 months of personal or business bank statements
   
• No tax returns required
   
• Available for primary, second homes, and investment properties
   

Best for: Business owners, entrepreneurs, independent contractors

 Based on property cash flow, not personal income.

• Qualification based on rental income vs. mortgage payment
   
• No employment or income verification
   
• Investment properties only
   

Best for: Real estate investors and rental portfolios

 Uses liquid assets as qualifying income.

• Retirement accounts, savings, investments considered
   
• Ideal for high-net-worth borrowers with limited income
   

Best for: Retirees or asset-rich borrowers

 Lower initial payments during the interest-only period.

• Improves short-term cash flow
   
• Available for primary and investment properties
   

Best for: Strategic cash flow management or investors

For non-U.S. citizens purchasing U.S. property.

• No U.S. credit required (in many cases)
   
• Higher down payment requirements
   

Best for: International buyers and investors

 For borrowers with recent:

• Bankruptcies
   
• Foreclosures
   
• Short sales
   

 Often available with shorter waiting periods than conventional loans.