Non-Traditional Income Documentation

Flexible Home Loans for Self-Employed & Unique Income

At Lock It Mortgage, we make it simple for business owners, self-employed individuals, 1099 contractors, and real estate investors to buy a home or refinance. Our programs allow you to qualify based on your actual financial strength. By using non-traditional income documentation, often called Non-QM loans, these flexible solutions provide the financing you need without the headache of standard tax returns, W-2s, or pay stubs.

If you have a solid down payment, reliable credit, and are ready to buy or invest but don't fit into standard mortgage rules, this is your path forward.

Finding The Right Fit For Your Scenario

We provide different ways to qualify for a home loan that work directly 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.

When Other Lenders Say NO

We Look For Ways to Say YES.

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

Disclaimer: This is not a commitment to lend. All loans are subject to credit review, underwriting approval, and specific program guidelines. References to "Non-Traditional Income Docs", or Non-QM loans apply strictly to specialized mortgage programs. Instead of using traditional W-2s, pay stubs, or tax returns, these programs evaluate your financial strength using alternative records. These may include consecutive personal or business bank statements, verified Profit and Loss (P&L) statements, written verifications of employment, or Debt Service Coverage Ratio (DSCR) cash flow analysis for investment properties. Please note that these are not "stated income" or "no-doc" loans. Borrowers must still clearly prove their ability to repay the loan using these alternative documentation methods. Minimum credit scores, higher asset reserve requirements, and stricter down payment or loan-to-value limits will apply depending on the specific wholesale investor guidelines assigned to your file. Loan terms, program availability, and underwriting requirements are subject to change without notice.