Non-Traditional Income Docs

Lock It Mortgage makes it simple for business owners, self-employed individuals, 1099 contractors, and real estate investors to buy a home or refinance.

Our programs enable you to qualify based on your actual financial strength. These solutions, often referred to as Non-Qualified Mortgage (Non-QM) Loans, provide the financing you need without the headache of providing tax returns, W-2s, or pay stubs. This is a perfect solution if you have a solid down payment and a reliable credit score, and you are ready to buy or invest but do not fit into the usual bank requirements.

Simple Loan Solutions for Your Unique Situation

We provide several qualification methods that work with your specific goals and financial background.

DSCR LOANS
(Debt-Service Coverage Ratio)

Approval based on subject property's rental income, not personal income. Perfect for real estate investors.

ASSET-BASED LOANS

Secure your home loan without traditional income verification by using your savings, investments, and assets. Best for those with strong credit and significant assets.

WVOE LOANS
(Written Verification of Employment)

Ideal for salaried employees who can't provide W-2s/pay stubs, but have a consistent employment history.

PROFIT & LOSS LOANS

Uses business P&L statements instead of tax returns. Best for self-employed borrowers.

1099 LOANS

Best for independent contractors with 1099 income.

BANK STATEMENTS LOANS

Qualify using 12-24 months of bank statements instead of tax returns.

Need help choosing the right program?
Let’s connect with us!

Every financial situation is different, and finding the home right loan starts with a conversation. Please share your contact details, and a loan officer will personally guide you through your options, answer your questions, and help you take the next steps with confidence.

Explore Your Options

Disclosures: This is not a commitment to lend. All loans are subject to credit review, underwriting approval, and program guidelines. "Non-Traditional Income Docs Loans" also known as Non-QM Loans, use alternative documentation to determine your financial strength instead of traditional tax returns, W-2s, or pay stubs. These programs are not "stated income" or "no-doc" loans; borrowers must still show the ability to repay the loan through alternative means such as bank statements, asset analysis, or subject property cash flow. Loan terms, availability, and requirements are subject to change without notice and may vary by lender.