Our loan program

Non-QM Mortgage

Purchase or Refinance

Our Bank Statement and Profit & Loss programs are designed for Self-Employed Borrowers with complex lending scenarios.

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Up to
80%
LTV - Purchase
80%
LTV - Rate & Term
75%
LTV - CASH OUT
30 - 40
Year Fixed
IO Options
$250K up to $8M

The Lowdown on Non-QM Mortgage Lending

How Do I Qualify? 

In contrast to conventional loans, our underwriters will request 12 or 24 months of your personal or business bank statements, or review a signed company profit and loss, to calculate your income.

Our Bank Statement and Profit & Loss programs are designed for Self-Employed Borrowers

When it comes to securing a loan as a self-employed borrower, we know it can become difficult when asked to verify your income using documents such as W-2s and tax returns. This is where our personal or business bank statement loans come in! We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our simple Self-Employed Rate Quote.

A nonconforming mortgage is a mortgage that does not meet the guidelines of government-sponsored enterprises (GSE) such as Fannie Mae and Freddie Mac and, therefore, cannot be sold to them. GSE guidelines consist of a maximum loan amount, suitable properties, down payment requirements, and credit requirements, among other factors.

A nonconforming mortgage is a home loan that does not adhere to government-sponsored enterprises (GSE) guidelines and, therefore, cannot be resold to agencies such as Fannie Mae or Freddie Mac.

These loans often carry higher interest rates than conforming mortgages.

Mortgages that exceed the conforming loan limit are classified as nonconforming, and are called jumbo mortgages.

Other than the loan size, mortgages may become nonconforming based on a borrower’s loan-to-value ratio (down payment size), debt-to-income ratio, credit score and history, and documentation requirements.

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BENEFITS

Why Should You
Choose Us?

This type of loan can be used for those individuals with more unique circumstances, such as a small businesses with write-offs, professional real estate investors or freelance professionals working on a contract basis.

  • Complete our simple Self-Employed Rate Quote
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs
  • Terms from 5 to 30 Years
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Adam Vaughn
“Just want to express my appreciation to Jason Gregoroff with Equity Direct Financial. My situation was a bit challenging, and although it took a few months, Jason was always keeping me in the loop and checking in, allowing me to feel at ease with the process. I have worked with other lending institutions and please give Jason and his team a shot at helping you. They are friendly, efficient, hard working, but most of all trustworthy of your personal information. Highly recommend !!!!!”

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States We Lend

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Score and background check

USA-Map-2-1 (1)
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$250K – $10MM+ non-owner occupied property

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2-months of recent bank statements

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Fix & Flip Experienced Required

PURCHASING SERVICES

Our Core Purchasing Service

Whether you’re looking to purchase a new home or refinance your existing home, Equity Direct Financial can provide all the help you need.

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Bank Statement Loans

If you’re self-employed, a bank statement loan is a helpful option if you’re looking to secure a loan for a mortgage.

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VA Loans
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Jumbo Loans

Our flexible loan structures provide our customers with the options they need to optimize their residential investments.

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VA Loans

Military Veterans are guaranteed a home loan with no down payment from the federal government.

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FHA Loans

Looking at creditworthiness as part of a loan application, there are alternatives to simply showing your income to a lender.

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Asset-Based Loans

Looking at creditworthiness as part of a loan application, there are alternatives to simply showing your income to a lender.

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Foreign National Loans

A foreign national loan makes it possible for you to own a home, even though you’re not a citizen.

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LET’S CONTACT

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