ADU
Loan Program Overview
Accessory Dwelling Units - secondary housing on single-family lots. For rental income or multi-generational living.
ADU Financing
Minimum Credit Score:700
Minimum Down Payment:20%
Maximum Loan Amount:$500,000
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Non-QM Mortgage Loans
Find specialized lenders for bank statement loans, foreign national mortgages, DSCR loans, and more. When traditional lenders say no, these programs say yes.
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Real stories from real borrowers
See how other borrowers found solutions when traditional lenders said no.
"After being denied by three different banks, Dan helped me find a bank statement loan that worked perfectly for my situation. I'm now a homeowner!"
Sarah M.
Freelance Consultant
Bank Statement Loan
"The traditional lenders couldn't work with my credit situation, but Another Lender found me a program that got me approved in just two weeks."
Michael R.
Small Business Owner
Credit Rebuilding
"Dan's expertise in non-traditional properties helped me finance my barndominium when everyone else said it was impossible."
Jennifer L.
Property Investor
Barndominium Loan
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All Available Programs
Browse our complete collection of non-QM mortgage programs designed for borrowers who need flexible solutions.
Asset Depletion
Loan Program Overview
Use liquid assets to qualify instead of income. Ideal for retirees or high-net-worth individuals.
Asset-Based Qualification
Minimum Credit Score:680
Minimum Down Payment:20%
Maximum Loan Amount:$3,000,000
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Bank Statement
Loan Program Overview
Use bank deposits instead of tax returns. Perfect for self-employed borrowers with strong cash flow.
No Tax Returns Required
Minimum Credit Score:660
Minimum Down Payment:10%
Maximum Loan Amount:$3,000,000
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Barndominium
Loan Program Overview
Metal building homes combining residential and workshop space. Cost-effective construction option.
Barndominium Financing
Minimum Credit Score:680
Minimum Down Payment:20%
Maximum Loan Amount:$1,000,000
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Construction-to-Permanent
Loan Program Overview
Combines construction and permanent financing. Build your dream home from the ground up.
Single Loan for Construction & Permanent
Minimum Credit Score:680
Minimum Down Payment:20%
Maximum Loan Amount:$2,000,000
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DSCR
Loan Program Overview
Qualify based on property rental income, not personal income. Ideal for real estate investors.
No Personal Income Required
Minimum Credit Score:680
Minimum Down Payment:25%
Maximum Loan Amount:$2,000,000
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Fix and Flip
Loan Program Overview
Short-term financing for property renovation and resale. For real estate investors.
Short-Term Financing
Minimum Credit Score:650
Minimum Down Payment:20-30%
Maximum Loan Amount:$1,500,000
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Foreign National
Loan Program Overview
International buyers with foreign income and assets. No US citizenship required.
International Documentation
Minimum Credit Score:660
Minimum Down Payment:25%
Maximum Loan Amount:$2,500,000
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ITIN
Loan Program Overview
Borrowers with ITIN instead of Social Security Number. Valid for non-citizens with US income.
Valid ITIN Required
Minimum Credit Score:680
Minimum Down Payment:20%
Maximum Loan Amount:$1,500,000
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Low Credit Score
Loan Program Overview
Credit scores below 680. Perfect for those rebuilding credit or with past difficulties.
Flexible Credit Requirements
Minimum Credit Score:580
Minimum Down Payment:10-20%
Maximum Loan Amount:$500,000
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Manufactured Home
Loan Program Overview
Factory-built homes meeting HUD standards. Affordable housing alternative.
Manufactured Home Financing
Minimum Credit Score:680
Minimum Down Payment:10-20%
Maximum Loan Amount:$500,000
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Mixed-Use Property
Loan Program Overview
Properties combining residential and commercial space. Live-work arrangements.
Residential + Commercial Spaces
Minimum Credit Score:700
Minimum Down Payment:25%
Maximum Loan Amount:$2,000,000
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No Credit History
Loan Program Overview
No traditional credit history required. Uses alternative credit verification methods.
Alternative Qualification Methods
Minimum Credit Score:No traditional score required
Minimum Down Payment:20%
Maximum Loan Amount:$1,500,000
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Non-Permanent Resident
Loan Program Overview
Non-citizens with valid visas or green cards. International borrowers with US status.
Valid Visa Required
Minimum Credit Score:680
Minimum Down Payment:25%
Maximum Loan Amount:$2,000,000
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Non-Warrantable Condo
Loan Program Overview
Condos that do not meet conventional mortgage guidelines, including new construction and first-in.
Unique Condo Properties
Minimum Credit Score:700
Minimum Down Payment:25%
Maximum Loan Amount:$2,000,000
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Recent Bankruptcy
Loan Program Overview
Post-bankruptcy borrowers ready to rebuild. Flexible waiting periods available.
2+ Years After Discharge
Minimum Credit Score:650
Minimum Down Payment:25%
Maximum Loan Amount:$1,000,000
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Recent Foreclosure
Loan Program Overview
Post-foreclosure borrowers with stable recovery. Second chance homeownership.
3+ Years After Foreclosure
Minimum Credit Score:660
Minimum Down Payment:25%
Maximum Loan Amount:$1,000,000
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Renovation
Loan Program Overview
Finance purchase and renovation costs together. Transform fixer-uppers into dream homes.
Single Loan for Purchase & Renovation
Minimum Credit Score:680
Minimum Down Payment:20%
Maximum Loan Amount:$1,500,000
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Rural Property
Loan Program Overview
Rural and agricultural properties. Flexible property type requirements.
Rural Property Financing
Minimum Credit Score:680
Minimum Down Payment:20%
Maximum Loan Amount:$1,500,000
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Stated Income
Loan Program Overview
State your actual income without traditional documentation. For self-employed borrowers.
Minimal Documentation Required
Minimum Credit Score:680
Minimum Down Payment:15%
Maximum Loan Amount:$2,500,000
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Tiny Home
Loan Program Overview
Homes under 400 square feet. Minimalist living and sustainability focus.
Tiny Home Financing
Minimum Credit Score:680
Minimum Down Payment:20%
Maximum Loan Amount:$200,000
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Tell Us What We're Missing
We're constantly adding new loan programs to our directory and prioritize based on user requests. While we don't reply to individual requests, we'll notify you when we add new programs that may match your mortgageneeds.