Self-employed borrowers
Borrowers whose business income may need traditional analysis or an eligible bank-statement, profit-and-loss, 1099, or other alternative-documentation review.
Document the picture. Review the whole file.
Alternative-documentation, asset-based, foreign-national, and specialty programs may help evaluate eligible scenarios that do not fit a familiar income profile. They still require documentation and program-specific underwriting.
Category overview
Flexible documentation is not no documentation.
Self-employment, significant eligible assets, foreign-national status, or a less conventional borrower or property profile may call for a different way to document the scenario. These programs still evaluate the complete file under their own requirements.
Income method is only one part of the review. Credit, debts, liquidity, reserves, property, occupancy, ownership, loan purpose, and state can remain important to eligibility and structure.
View the full program directoryWho this may help
Situations that may deserve this comparison.
These are starting points for a conversation, not a statement of eligibility or approval.
Borrowers with eligible assets
Households whose liquid, brokerage, retirement, or other qualifying assets may be relevant to an asset-depletion or asset-utilization path.
Foreign-national or specialty scenarios
Eligible borrowers or properties requiring specific identification, residency, credit-reference, ownership, property, or program documentation.
Collection 03 · Flexible qualification
Programs in this category.
Alternatives for income, assets, citizenship, or less conventional scenarios.
Self-employed / Non-QM
Alternative-documentation paths that still require program-specific review.
Asset-based
Options that may consider eligible assets when evaluating qualifying income.
Foreign national
Purchase and refinance paths under specific documentation guidelines.
Specialty
Borrower and property profiles that may need a more specific structure.
A simple way to navigate
Three steps to narrow the path.
Inventory the available records
Identify business, personal, asset, residency, credit, and property documentation before selecting an income method or specialty category.
Connect every part of the file
Review income or assets alongside debts, credit, reserves, occupancy, ownership, property type, and loan purpose.
Compare requirements and tradeoffs
Evaluate eligible documentation paths, costs, conditions, and program limitations with the full scenario visible.
Eligibility and approval
The complete file determines the available path.
Bank-statement, profit-and-loss, 1099, asset-based, foreign-national, ITIN, Non-QM, and specialty categories use their own definitions and supporting-document standards. No category removes the need for underwriting.
Availability, eligibility, documentation, loan amounts, rates, costs, and terms depend on the borrower, property, transaction, state, investor, and current program guidelines. This page is general education—not a rate quote, approval, commitment to lend, or guarantee of terms. Final approval remains subject to underwriting.
Ask about your scenario