Alternative Document Jumbo Loans

Unveiling the Secret to Financing High-Value Properties - The Jumbo Loan with a Twist

Get the jumbo loan you need with simplified document requirements. Ideal for self-employed and high-net-worth individuals.

Minimum Credit Score


Maximum Debt To Income


Maximum Loan To Value


Maximum Loan Amount

With 1 Application,130 Mortgage Lenders Will Compete For Your Business

Unlock unparalleled opportunities with a single application. Dive into a competitive marketplace where 130 top-tier mortgage lenders vie to offer you the best terms, ensuring you get the deal you deserve. It’s not just about choice; it’s about empowering you with the best options available.

🔒Does not Affect Credit. No SSN until you’re ready.

For those with unconventional income documentation or unique financial profiles, securing a jumbo loan can present challenges. This is where the alternative documentation jumbo loans from Lightning Loans by Innovative Mortgage shine, offering flexibility and understanding that traditional lending does not always provide.

Alternative Documentation Jumbo Loans:

Diverse Income Verification Options:

  • Bank Statement Loans: By reviewing your monthly deposits, we can ascertain your income through the cash flow into your accounts, making it ideal for self-employed individuals or those with variable income streams.
  • 1099 Loans: Tailored for independent contractors or freelancers, this option uses your annual 1099 forms as proof of income, sidestepping the need for traditional W-2s or tax returns.
  • Asset Depletion Loans: Your liquid assets can be used to demonstrate your ability to cover loan payments. By calculating the number of monthly payments you have in reserve, we can use this asset-based approach for income verification. For example, if you have the equivalent of 24 times the monthly payment amount in liquid assets, this could serve as your income evidence.

Understanding the Costs:

It’s important to acknowledge that these loan options do carry a higher risk to lenders, which is typically reflected in higher costs compared to traditional loans. However, the value they provide in enabling homeownership or the purchase of high-value properties can outweigh the additional expense. It’s about providing an avenue to secure financing when conventional methods aren’t an option – ensuring that you don’t have to miss out on the property you desire.

Why Choose Lightning Loans by Innovative Mortgage for Your Jumbo Loan Needs:

We recognize that financial situations can be complex, and a one-size-fits-all approach does not work for everyone. Our alternative documentation jumbo loans are designed to cater to borrowers who find themselves outside the ‘conventional box.’

At Lightning Loans by Innovative Mortgage, we’re committed to finding solutions that help our clients achieve their real estate goals, even when traditional pathways are not available. Our expertise and wide network allow us to offer innovative loan products that take into account the full picture of your financial health.

Embark on Your Path to Homeownership:

If you’re exploring jumbo loans but are concerned about fitting into conventional lending criteria, Lightning Loans by Innovative Mortgage is here to help. We invite you to reach out and discuss your specific financial situation with us.

Let’s work together to find a jumbo loan solution that makes your dream home a reality, regardless of the complexity of your income documentation. Contact us for a deep dive into your financing options.

Pros of Alternative Document Jumbo Loans


Simplified Documentation

Less paperwork and easier qualification compared to traditional jumbo loans.

Great for Self-Employed

Ideal for borrowers with non-traditional income sources.

Get approved fro what you can actually afford.

Tax returns don't always tell the full story we can use bank statments, 1099's or even a single P & L.

Cons of Alt Doc Jumbo Loans


Costs More

Life is a give and take. Less documents is more percieved risk to the lender which means higher interest rates and down payments.

Larger Down Payment

80% is a typical max and most investors would prefer to see you at 75%. A "CLTV" of 85% may not be out of the question but it would dwindle our options.

Key Issues That Will Get Early Attention

Explore Every Option
I love these unique programs but at the end of the day we're going to want to see you in the lowest cost solution. We have to be 100% sure that proving income in a more traditional way is completely our of the question.
Discuss an Exit Strategy
I would want you be be 100% clear on exactly what you would have to do in order to qualify for a traditional loan in the future. In most cases the additional tax responsibility makes the extra cost of an Alt Doc mortgage seem very, very reasonable.
Evaluate Down Payment
We'll clarify the larger down payment requirements and explore your options.
Discuss Avaialable Documentation
Explore the Flexibility of Alt Doc Loans - Opt for Bank Statements, 1099s, or CPA-Prepared P&L. Experience Slightly Higher Costs for P&L Only Mortgages. Rich in Assets but Low on Income? Consider an Asset Depletion Mortgage. Every Scenario is Tailored to Your Needs

We're Simply Better and Not Just on Price...


We Have More Lenders and More Loan Programs

Diverse Choices, Tailored for You: With a vast array of lenders and loan programs, we ensure a perfect fit for your unique financial needs.


Our Loyalty is To YOU not the lender

Your Interests, Our Priority: Our commitment is to you, not the lenders, ensuring unbiased and dedicated support throughout your mortgage journey.


Non QM, Convert to Cash and Flexible Funding Options Available

Flexible, Innovative Financing: Explore Non-QM loans, easy cash conversion options, and flexible funding solutions tailored for your financial freedom.

🔒No Credit Pull, No Obligation.

Compare For Yourself

Explore the difference that sets us apart in the financial world. See how our innovative services and unmatched benefits distinguish us from the competition, ensuring you make an informed choice.

Lightning Loans
Local Bank Branch
Big Name Online Lenders
Shops Hundreds of Lenders
Scans Thousands of Programs To Find You The Best Available
Is Loyal to Borrowers and Not Lenders
Has Multiple No Tax Return Mortgage Options
Can Show You Conventional and Non QM Options
Multiple 100% Financing Options for First Time Home Buyers
Can Do Hard Money, Bridge Financing and Other Unique Funding Types

🔒No Credit Pull, No Obligation.

You need a tenacious loan officer who has obsessively over-prepared and knows every single trick in the book to secure the ideal mortgage for your unique situation

And that is exactly what you'll find when working with me…

Read What Our Happy Clients Have to Say

Don't Wait, Secure Your Perfect Mortgage Today

Here's what you get when you apply with Lightning Loans by Innovative Mortgage

1. Unparalleled Access to Mortgage Options With a Single Application

With a single application, we’ll comparison shop thousands of loan programs across hundreds of lenders. 

This includes conventional loans at 130 different sources, FHA loans at 130 different sources, and even bank statement or no tax return options. If a mortgage product exists, we have access to it.

No more wondering if you’re getting the best deal – we’ll make sure of it.

2. Expert Guidance and Outstanding Communication

With over two decades of experience working with clients, I’ve developed a keen sense of what my clients need and when they need it. 

It’s almost like having a psychic connection!

I pride myself on putting my clients first and providing outstanding communication throughout the entire mortgage process.

3. A Faster, Easier Path to Perfect Mortgage Loans For Your Specific Situation

Say goodbye to the headaches and hassles of traditional mortgage processes. 

With Lightning Loans, you’ll enjoy a streamlined, efficient journey that gets you to your goals faster and with less stress.

You’ve got enough to worry about, let us put your mind at ease with regard to your mortgage financing.

We only request the things that are absolutely necessary 

4. The Peace of Mind Knowing You've Made the Right Choice Because You've Seen ALL Your Options

When you work with Lightning Loans, you’re not just getting a mortgage –

You’re getting a partner who is committed to your success.

We’ll go above and beyond to ensure that you’ve made the best possible choice for your unique situation.

These might just seem like words on a page but one conversation with us and it will be abudantly clear to we walk our talk.

Experts at your service.

Meet the experts committed to providing you with exceptional financial solutions


Andres Garcia

Loan Officer

Dedicated, high energy real estate expert that is adept at working with investors and traditional borrowers.

Your Contact

Andrew Kashella

Senior Vice President

Mortgage Industry veteran responsible for thousands of loan originations and billions in closings.


Bryan P. Ehrlich

CEO/General Counsel

Founder, Juris Doctor and Lead Counsel for Innovative Mortgage Services.