The modern borrower earns income differently. Agency loan options (Fannie Mae, Freddie Mac, FHA, etc.) haven't evolved to serve them.
As a Non-QM leader, we are proud to offer options that qualify borrowers using alternative documentation (alt-doc) methods to demonstrate a borrower's ability to repay.
Flexible guidelines and common sense underwriting give opportunity to today's homebuyers and investor by simply analyzing bank statements as opposed to tax returns.