Your name on the flyer.

Traditional qualification with tax returns, W-2s, and pay stubs. Competitive rates across primary, second home, and investment properties.

Perfect for self-employed borrowers who can't show traditional income. We use 12 or 24 months of personal or business bank statements.

Qualify using a CPA-prepared profit and loss statement. No tax returns or bank statements required — ideal for business owners.

Qualify independent contractors and gig workers using their 1099 income forms. No tax returns needed — simple and fast.

Written Verification of Employment — qualify borrowers with a simple employer letter. No tax returns, no pay stubs required.

Qualify using liquid assets divided over the loan term — perfect for retirees, investors, and high-net-worth borrowers with assets but limited income.

Qualify investor clients based on property cash flow — no tax returns, no W-2s, no employment verification. Perfect for SFR and small multi-family.

Investment property loans for non-US citizens. No SSN or US credit history required — qualify on property cash flow with a valid passport.

Multi-family investment loans for 5-8 unit properties. Cash flow based qualification with no personal income documentation required.

Best available limit for each item, across programs. They do not all apply to one loan. Ask your loan officer for the limits on your scenario.

Coffee Cake: up to $3M · Velvet Cake: up to $3M.

Fixed-rate second lien for borrowers who want to tap equity without refinancing their first mortgage. Keep that low rate and access your equity.

Best available limit for each item, across programs. They do not all apply to one loan. Ask your loan officer for the limits on your scenario.

Bundt Cake: up to $850K · Funnel Cake: up to $1M.

We've expanded our lending options to serve you better — faster closings, more programs, and competitive rates.

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