Bank Statement, P&L & VOE Loans

Business owners & self-employed can buy a home with no tax returns!*

Special Non-QM programs help business owners, self-employed, and independent contractors qualify. Even cash wage earners can qualify. Call us to learn more about how our Non-QM loan programs can help you qualify.

Non-QM Programs You Can Use

Bank Statement Programs: qualify with 12 or 24 months bank statements

Profit & Loss Statement Programs: qualify with a P&L statement from a tax preparer

VOE Programs: qualify with VOE only, no W2s, no paystubs

DSCR Programs: no income documents, qualify based on the market rent of the investment property

ITIN Programs: qualify with an ITIN number, no SSN, no green card, no work visa

Eligible Property Types

Single family

Multi-family

Second homes

Town homes

Condos

Investment properties

01 Checkup A 15-minute conversation

02 Diagnosis Programs matched to you

03 Prescription We handle the paperwork

04 Closing Keys or savings, delivered

Related programs

DSCR Investor Loans Qualify on the property's rent, not your income. Learn more → ITIN Loans Qualify with a Tax ID Number instead. Learn more → Rate-and-Term Refinance Lower your rate, adjust your terms, save. Learn more →

People Over Profit.

You can buy a home. We can help.

Doc values people over profit, even though the best things in life come with a fair price. Call to learn more about how these loan programs can help you qualify.

Call (917) 417-5189 Prefer email? kdocteur@unitedmortgage.com