Alternative Mortgage
Mortgages You Can't Get Elsewhere
We believe everyone should be able to own a home, and are committed to finding creative solutions that others overlook.
A unique mortgage that suits your needs
Alternative mortgage is a home loan program similar to conventional mortgages but with flexible requirements. It is designed for homebuyers who can't meet the requirements of a traditional mortgage.

12-Month Bank Statements
Up to $4M loan amount
Up to 90% Max LTV
575+ credit score
No reserves required at 75% or less LTV
Verification of Employment
Up to $5M loan amount
Up to 70% Max LTV
700+ credit score
First time homebuyers are eligible
Qualify with written verification of employment completed by employer
Foreign National
Up to $2M loan amount
Up to 70% Max LTV
Non-owner occupied only
No reserves required at 75% or less LTV
No income, job or credit required
Alternative mortgage FAQ
  • What is an Alternative Mortgage?
  • What are the standard loan terms of alternative mortgage?
  • What is the maximum loan to value?
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NMLS ID 2090196