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Loan Programs

Non-Traditional Loans

Flexible mortgage solutions for unique financial situations.

Not everyone fits the mold for a traditional, government-back home loan. Alternative or non-traditional loans are designed for borrowers who may have strong financial resources or property goals but fall outside standard documentation or credit guidelines.

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When to Consider a Nontraditional Home Loan

  • Self employed with a low tax-reported income: Successful business whose tax returns don’t show enough income.
  • Retired or living on savings: No steady employment income, but substantial assets, savings, or retirement funds can be used to help loan qualification.
  • Investor purchasing rental property: Gross monthly market rent for a prospective rental property can help qualify the borrower, including those with limited income or high personal debts.
  • Foreign nationals living and working in the U.S.: Lending options are available for those working in the U.S., paying taxes and want to purchase or refinance a home, even without legal status.
  • Foreign nationals living abroad: Lending options are available for those interested in purchasing a home or investment property in the U.S. from outside the country.
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