Alt Doc Loans

An Alt Doc loan (or alternative documentation loan) is a specialized mortgage program that allows homebuyers to qualify by using non-traditional documents and assets. This solution has different approval standards and can provide tremendous flexibility for certain borrowers who are able to demonstrate the ability to repay a mortgage loan, but cannot qualify for a traditional mortgage due to their unique situation.


Is It Right for You?

An option that is heavily contingent on an individual’s credit score, and is well suited for self-employed borrowers, high net worth individuals or those with commission-based income or significant liquid assets.


Is It Right for Your Situation?

Primary residence, second homes and investment properties, single family and 2-4 unit properties, condos and townhomes, and Planned Unit Developments (PUDs); maximum loan amounts up to $3,000,000.


Features and Benefits

  1. Qualify using bank or investment statements, or other traditional income/asset documentation
  2. Liquid assets considered for qualification and approval
  3. Fixed rate options: Terms range from 10-30 years
  4. Adjustable Rate Mortgage (ARM) Programs: 5/1 and 7/1
  5. Interest-only terms available


Let’s face it, building a company or a high net worth isn’t always easy. And when it comes to purchasing a new home, sometimes you need a program that doesn’t fit in a perfect little box. You deserve, demand even, an experience that is unprecedented and our Alternative Documentation Loan is built with you in mind.

Ready to get expert advice and determine what works best for your personal situation? Contact one of our local, caring mortgage professionals at a Mortgage Center Near You.