Whether you need a traditional home loan, an alt-doc bank statement program... We bring Self-Employed, Investor, Commercial, Full-Doc, and Specialty Loans under one roof. Skip the rigid bank friction with flexible guidelines built for your real financial profile.
Self-employed loans
Different ways to prove income when your paycheck doesn't fit the standard mold — find the program built for how you actually get paid.
Qualify using 1099 income instead of tax returns — built for self-employed and gig-economy earners.
Turns savings, investments, and retirement accounts into qualifying income for borrowers who are asset-rich but light on documentable income.
Income is calculated from real cash flow in your bank accounts, not a tax return.
A subordinate-lien option that lets self-employed borrowers pull equity without disturbing their existing first mortgage rate.
Purpose-built financing for luxury and high-value homes that fall well outside standard jumbo limits.
Uses a CPA or tax-preparer-issued profit and loss statement in place of tax returns to establish income.
Streamlined qualification for investors and business owners who prefer not to document income line by line.
Financing held and serviced by the originating lender rather than sold to Fannie Mae or Freddie Mac, allowing more flexible underwriting on larger, more complex loans.
Investor loans
From rental income to renovation deals — find the financing that fits how your investment actually performs.
Investor-friendly financing that qualifies you on the property's cash flow, not your tax returns or paystubs.
Short-term capital for investors buying properties that need work, then renovating to resell or refinance.
Private, asset-based capital for investors who need flexibility beyond traditional bank underwriting.
Specialized financing for condo-hotel and resort-style units that most conventional lenders won't touch.
Ground-up financing that converts to permanent financing once the build is complete.
Tell us about the property and your goals. A licensed broker will match your scenario to the right program and lender.
Full-doc loans
Steady income, steady financing — compare rates, down payments, and eligibility for W-2 borrowers side by side.
Flexible financing backed by Fannie Mae and Freddie Mac for borrowers with steady W-2 income, competitive rates, and no upfront mortgage insurance fee.
Government-insured loans designed to make homeownership accessible with lenient credit standards and low upfront cash requirements.
Conforming financing for high-cost areas, bridging the gap between the baseline loan limit and jumbo territory while still qualifying for agency pricing and guidelines.
Exclusive benefit for eligible veterans, active-duty service members, and surviving spouses, backed by the Department of Veterans Affairs.
Commercial loans
From bridge to permanent, land to lease-up — find the structure that matches where your property is in its lifecycle.
Short-term financing that lets commercial borrowers acquire, reposition, or stabilize a property before securing permanent debt.
Relationship-based capital from private lenders, underwritten on the deal itself rather than rigid bank guidelines.
Long-term, fully amortizing financing that replaces short-term debt once a commercial property is stabilized.
Financing tailored to agricultural properties and small-acreage operations, covering both the land and income-producing use.
Specialty property loans
Not every property fits a standard checklist. These programs are built around the way your business actually operates.
Purpose-built financing for niche and non-standard commercial properties that don't fit conventional lending boxes, underwritten around each property type's unique income and operating profile.
Get QuoteWhy Mortgage Wholesale
Sometimes it's not what you know, it's who you know. We have a strong lender network in place to get deals done.
Rates shift daily, and your scenario is unique. Get a clear, up-to-date look at what you qualify for, with no guesswork and no pressure.
Time kills deals. We stay on top of every file from application to clear-to-close, so you always know where things stand.
Get a prequalification letter for your offer, or start your refinance with a licensed broker.
Get your free quote
You've already built your business. Now let's help you build your future in a home. Our non-QM specialists review your scenario confidentially, with no credit pull required to get started.
Licensed Mortgage Professionals
This page is for informational purposes only and does not constitute a commitment to lend. Loan approval is subject to underwriting guidelines and borrower qualification. Programs and rates subject to change without notice. Not available in all states.
Answer Home Loans, Inc. · NMLS #1729528 · DRE #02058505
