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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.

Apply for Alternative (732) 754-7474

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) 754-7474

Or 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. 1

    Tell us your income story, we'll find the program

  2. 2

    Bank statement, P&L, or DSCR underwriting

  3. 3

    Down payments typically 15–25%

  4. 4

    Faster closes than government loans

  5. 5

    Refinance options once seasoned

FAQ

Frequently asked.

60-Second Pre-Qual

See what you qualify for.

No credit pull. No spam. We'll text or email within 1 business day.

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.