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NON-CONVENTIONAL LOANS

Mortgage options outside the ordinary.

Not every borrower fits neatly into a traditional mortgage box. Non-conventional loan programs can provide alternative paths for unique financial situations and homeownership goals.

Not every borrower fits neatly into a traditional mortgage box. Non-conventional loan programs can provide alternative paths for unique financial situations and homeownership goals.

See If You Qualify Talk to a Loan Advisor
Mortgage options outside the ordinary.
A DIFFERENT APPROACH

Your financial story isn't
always conventional.

Flexible solutions

Alternative loan programs may offer flexibility when standard mortgage guidelines don't match your circumstances.

Unique borrowers

These options can be designed for borrowers with financial profiles that require a different approach to qualification.

More possibilities

Understanding the available programs can help you identify financing possibilities that fit your individual goals.

EXPLORE YOUR OPTIONS

Financing can take different paths.

Depending on your circumstances, different non-conventional programs may be worth exploring.

01

Non-QM Loans

Alternative qualification options for borrowers whose income or financial profile may not fit standard underwriting guidelines.

02

Bank Statement Loans

A potential option for eligible self-employed borrowers who may benefit from using bank statements to document income.

03

Investment Property Loans

Financing solutions for eligible borrowers purchasing or refinancing certain investment properties.

04

Asset-Based Loans

Certain programs may allow qualifying assets to play a role in documenting financial strength and repayment ability.

WHAT MATTERS

Start with your
full financial picture.

There isn't one factor that determines your available financing. Your lender looks at the complete picture to understand which programs may be available.

  • Income and employment
  • Credit history
  • Assets and available funds
  • Property type and use
  • Loan amount and purpose
  • Program-specific requirements
Beautiful home
WHEN IT MAY MAKE SENSE

A different path may fit your situation better.

Alternative financing can be worth exploring when your circumstances don't line up neatly with traditional conventional lending requirements.

  • Non-traditional income
  • Complex financial picture
  • Different property needs
  • Specific borrowing goals
A CLEARER PROCESS

A simpler way to explore your options.

Start with a conversation. From there, your loan team can help you understand which programs may be worth considering.

01

Tell us your situation

Share your income, assets, property, and homeownership goals.

02

Review your options

We'll look at available programs that may align with your circumstances.

03

Choose your direction

Compare the relevant loan structures, requirements, and costs.

04

Move forward

Once you understand the path, take the next step toward your financing goal.

FAQ

Non-conventional loan questions, answered.

Here are answers to some common questions about non-conventional mortgage financing.

Non-conventional loans generally refer to mortgage programs outside traditional conventional conforming financing.
Depending on the lender and borrower situation, programs may include FHA, VA, USDA, jumbo and certain non-QM financing.
No. Eligibility depends on the specific loan program, lender requirements and the borrower's circumstances.
Some programs may accommodate different income structures. Requirements vary by loan program and lender.
Start by discussing your goals and financial situation with a qualified loan advisor. They can explain which available programs may fit your circumstances.

Ready for your next move?

Choose Phil or PJ to start your application.

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