Non-Traditional Loans
“Non-traditional” loans are designed for real-life income situations that don’t always fit a standard W-2 box. If you’re self-employed, paid in multiple ways, building credit history, or need a different documentation approach, this is where we look.
The goal is simple: use the right documentation to tell the true story of your ability to repay.
Tell me what you do + what you’re trying to accomplish, and I’ll match you to the most realistic program.
Want Me to Map Your Best Option?
Quick call to compare programs and documentation (bank statements, assets, ITIN, foreign national, and more).
Bank Statement Loans
If your tax returns don’t reflect your true cash flow (common for business owners), a bank statement loan may allow qualification based on your deposits.
- Best for: self-employed borrowers, 1099 income, business owners
- Documentation: typically 12–24 months of bank statements (varies)
- Focus: consistent deposits + reasonable expense factor
- Tip: clean deposits + clear business story = smoother underwriting
Asset Qualifier Loans
An asset qualifier option can use eligible assets to support qualification when income documentation is limited or you’re recently retired.
- Best for: retirees, high-net-worth borrowers, “income-light” scenarios
- Assets: liquid/semi-liquid accounts may count (program rules vary)
- Benefit: less emphasis on traditional W-2/tax return income
- Great fit: when you have strong reserves and want flexibility
Asset types, seasoning, and calculations vary by lender. I’ll tell you what counts and what doesn’t.
ITIN Loans
An ITIN loan is designed for borrowers who file taxes with an ITIN instead of a Social Security Number. The focus is on stability, verifiable income, and a strong overall profile.
- Best for: borrowers filing taxes with an ITIN
- Documentation: proof of income + identity/residency documents (varies)
- Credit: may use traditional or alternative credit, depending on program
- Goal: a clear, well-documented file that underwrites cleanly
Guidelines differ by lender/state. I’ll tell you exactly what’s needed before you waste time.
Foreign National Loans
A foreign national program can help non-U.S. residents purchase property in the U.S. with alternative documentation and program-specific requirements.
- Best for: non-U.S. residents buying in the U.S.
- Documentation: passport/visa docs + proof of funds/income (varies)
- Down payment: typically higher than traditional programs
- Use cases: second homes, relocation planning, family-based purchases
Program rules vary widely. I’ll confirm eligibility and required documents up front.
