Our Alternative Home Loan programs are the perfect solution for self-employed borrowers who need assistance with showing income from their business. Self-employed borrowers usually represent an underserved market in the mortgage industry. Our alternative home loan programs are a good option for credit-worthy self-employed borrowers who would not qualify in the traditional way.
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Keep getting denied for a home loan with the bank? Here at Loan Guys, we offer alternative programs for home buyers that do not report enough income on their tax returns. The first program is a bank statement loan. To qualify you for this type of loan, we look at average deposits from 12-or 24-months of personal or business bank statements. We offer as high as 85% financing with only 15% down payment.
Struggling to purchase a home due to not qualifying traditionally? We can help you with that. At Loan Guys, we have another alternative loan option where we do not look at your tax returns to qualify you. This type of loan is a 1099 loan. For this program, you will be approved based on 1-year or 2-year of 1099 statements. We offer up to 85% financing with only 15% down payment.
Self-employed individuals have a more difficult time qualifying for a traditional mortgage. Here at Loan Guys, we offer our Profit & Loss loans to help them. Borrowers can qualify for a loan based on the strength of their business’s Profit & Loss statement. You can speak to a Licensed CPA, Enrolled Tax Agent, or a Licensed Tax Preparer to arrange this type of statement for you. We offer up to 85% financing with only 15% down payment.
Up to 85% loan-to-value
15% down payment
Rates as low as 6.99%
30-year fixed rate fully amortized loan
DTI less than 55%
Purchase, refinance, or cash-out options available
Loan amounts from 75k-3mm
You don’t need to be a professional investor to qualify for our loans. We don’t require Tax Returns and we accept credit scores as low as 660.
Get underwriter approval in 48 hours and your deal funded in 15 days.
Fixed Rates mean you’ll have more predictability when it comes to your profit.
We offer some of the highest loan to values in the industry. We’ll even fund 100% of your rehab costs!
Closings within 15 business days. Don't waste another day. Call a loan guy now!
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