Specialized Mortgage Programs
Browse our comprehensive selection of alternative mortgage programs designed for borrowers who don't fit traditional lending guidelines.
Income Documentation
Mortgage programs for borrowers with non-traditional income documentation including self-employed, business owners, and those with alternative income sources.
Asset Depletion Programs
Use your liquid assets to qualify for a mortgage. Perfect for retirees, business owners, and those with significant assets but limited traditional income.
Bank Statement Loans
Qualify for a mortgage using your bank statements instead of tax returns. Ideal for self-employed borrowers who want a simplified way to show income.
Stated Income Mortgages
Qualify for a mortgage based on your stated income with asset verification. Perfect for borrowers with complex income structures or those who want to use their actual income rather than tax returns.
Property Type
Specialized mortgage programs for unique property types including barndominiums, non-warrantable condos, manufactured homes, and rural properties.
ADU Loans
Specialized financing for Accessory Dwelling Units (ADUs). Perfect for homeowners wanting to add rental income, multi-generational living, or increase property value.
Barndominium Financing
Specialized financing for barndominiums - metal building homes that combine residential living with workshop or storage space. Perfect for those wanting a custom, cost-effective home.
Manufactured Home Loans
Specialized financing for manufactured and mobile homes. Perfect for those looking for affordable homeownership with modern manufactured home options.
Mixed Use Property Loans
Financing options for properties that combine residential and commercial uses
Non-Warrantable Condo Loans
Specialized financing for condos that don't meet Fannie Mae or Freddie Mac guidelines. Perfect for unique condo projects, new construction, or properties with special circumstances.
Rural Property Loans
Specialized financing for rural properties and agricultural land. Perfect for those wanting to live in the country, start a farm, or invest in rural real estate.
Tiny Home Loans
Specialized financing for tiny homes and small footprint dwellings. Perfect for minimalists, those wanting to reduce living costs, or those seeking a simpler lifestyle.
Credit Challenges
Mortgage programs for borrowers with credit challenges including low credit scores, recent bankruptcies, foreclosures, or limited credit history.
Low Credit Score Mortgages
Get approved for a mortgage even with a credit score below 680. Specialized programs for borrowers with credit challenges who are ready for homeownership.
No Credit History Loans
Get approved for a mortgage even without a traditional credit history. Specialized programs for borrowers who are new to credit or have limited credit history.
Recent Bankruptcy Loans
Get approved for a mortgage even with a recent bankruptcy. Specialized programs for borrowers who have discharged bankruptcy and are ready to rebuild their credit and homeownership.
Recent Foreclosure Loans
Get approved for a mortgage even with a recent foreclosure. Specialized programs for borrowers who have experienced foreclosure and are ready to rebuild their homeownership.
Citizenship Status
Mortgage programs for non-citizens including ITIN loans, foreign national mortgages, and loans for non-permanent residents.
Foreign National Loans
Specialized financing for foreign nationals purchasing US property. Perfect for international investors, expatriates, and foreign buyers wanting to invest in US real estate.
ITIN Loans
Get approved for a mortgage using your Individual Taxpayer Identification Number (ITIN) instead of a Social Security number. Perfect for foreign nationals and non-citizens working in the US.
Non-Permanent Resident Loans
Specialized financing for non-permanent residents with valid visas. Perfect for those on work visas, student visas, or other temporary status who want to purchase US property.
Renovation & Construction
Mortgage programs for construction projects, home renovations, fix-and-flip investments, and property improvements.
Construction-to-Permanent Loans
One-time close financing for building your dream home. Combines construction financing with permanent mortgage for a seamless process from groundbreaking to move-in.
Fix and Flip Loans
Specialized financing for real estate investors buying, renovating, and selling properties for profit. Perfect for experienced investors and those wanting to enter the fix-and-flip market.
Renovation Loans
Specialized financing for home renovations and improvements. Perfect for homeowners wanting to update their existing home or buyers purchasing a fixer-upper.
Need Help Finding the Right Program?
Our featured lenders can help you determine which program is best for your specific situation. Contact them directly for personalized guidance.