Alternative Documentation Programs

1099 Income

• No Tax Returns Required 
• LTVs up to 85% for primary residence purchases and rate/term refinances
• Use 1099 Only income to Qualify with a 10% Expense Factor
• Available for Primary Residences, Second Homes, and Investment properties
• 12 Month Income Option Available

WVOE Only

• This is Also Available for WVOE Only Borrowers 
• LTV up to 80% | 70% for FTHB
• 2yr Income lookback
• Only 2- months Bank Statements Supporting income are required