Loan Programs
Investor & Specialty
Rental cash-flow, alternative documentation, commercial, and specialty occupancy programs for unique files.
Loan Programs
Rental cash-flow, alternative documentation, commercial, and specialty occupancy programs for unique files.
Qualify investment properties on rental cash flow — no personal income or tax returns required.
Specialized financing for doctors, dentists, veterinarians, and other medical professionals — including residents and fellows.
Financing for borrowers who use an ITIN instead of a Social Security number.
Qualify using personal or business bank deposits instead of traditional tax-return income.
Mortgage options built for freelancers, contractors, and gig workers who earn on 1099s.
Turn investment, retirement, or liquid assets into qualifying income — ideal for retirees and high-asset buyers.
Qualify with a Written Verification of Employment (Fannie Mae Form 1005) instead of a traditional tax-return income calc.
Business property financing through Luminate Bank. Offices, retail, multifamily & more.
Browse all loan programs or call Ryan and Steve to compare options.
Tell Ryan and Steve your scenario. Terms vary by qualification and property, and every loan is subject to credit and property approval.