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Alt-Doc Program

For the Non-Traditional Borrower

Alt-Doc (Alternative Documentation) is a mortgage program that qualifies homeowners by using non-traditional methods and/or non-traditional documentation to determine qualifying income.

This unique solution has distinct approval parameters for borrowers that have demonstrated the ability to repay (ATR) a loan but cannot qualify for a standard mortgage program. Borrowers looking to take advantage of alternative qualifying methods such as Asset Depletion can do so with lower credit scores (down to 660) and loan-to-values (LTVs) up to 80%.


  • Bank statement – 1st page only
  • Loan amounts up to $4 million
  • Max cash in-hand $2 million on cash-out
  • Asset seasoning: 1 month
  • LTV up to 80% for purchase/rate-and-term
  • LTV up to 75% for cash-out
  • DTI up to 50%*
  • Available for primary residence, second home or investment property
  • Interest-only payments available
  • FICO scores as low as 660

Flexible Qualification Methods

  • 1099 only
  • W-2 only
  • One-year tax return
  • 12-month bank statement
  • Asset Qualifier

*Restrictions apply to DTI over 43%

Borrowers who do not meet traditional documentation requirements but want the chance to qualify using flexible alternatives.