Andres Garcia
Loan Officer
NMLS: 2246130

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

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

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