Alternative Lending
When standard loans say no, we say how.
Self-employed? Investor? Foreign national? ITIN? We have alternative documentation programs for buyers whose income doesn't fit a W-2 box. Bank statement loans, DSCR investor loans, asset depletion, and more.
What it is
The basics of Alternative Lending.
Self-employed? Investor? Foreign national? ITIN? We have alternative documentation programs for buyers whose income doesn't fit a W-2 box. Bank statement loans, DSCR investor loans, asset depletion, and more.
Rate snapshot
Rates change daily and depend on credit, loan size, property, and program. For a real quote tailored to you:
Call (732) 754-7474Or get a personalized quote in our 60-second form below.
Who it's for
Built for borrowers like these.
Self-employed (1099 / business owner)
Real estate investors (DSCR)
Foreign nationals & ITIN buyers
High-net-worth with non-traditional income
How it works
From application to keys.
- 1
Tell us your income story, we'll find the program
- 2
Bank statement, P&L, or DSCR underwriting
- 3
Down payments typically 15–25%
- 4
Faster closes than government loans
- 5
Refinance options once seasoned
Video
Watch: quick answers from our team.
The views expressed are the opinions of the speakers and are for general informational purposes only. They should not be construed as legal, tax or financial advice. Rates, terms and examples shown are for illustration only, are subject to change, and are not a commitment to lend. Subject to credit approval and underwriting.
FAQ
Frequently asked.
Disclosures
For information purposes only. This is not a commitment to lend or extend credit. Loan approval, rates, and terms are subject to credit qualification, collateral evaluation, and other underwriting requirements. Program availability varies by state. AMS Mortgage Services, Inc. NMLS #20843. Equal Housing Opportunity.