Self Employed - Alternative Loan Programs

Now self-employed borrowers don’t have to jump through hoops to make a loan program work for them. This loan program is exclusively for self-employed borrowers with substantial reserves and a stable income. No tax returns or tax transcripts are required since income is conveniently supported by deposits from either personal or business bank statements.
Bank Statment Income Program
This loan program is designed for self-employed borrowers where their bank statements will be used to verify their income instead of the tax returns.
  • Up to $3 Million loan amounts
  • Owner Occupied, 2nd home and Investment
  • Loan amount up to 90% of property value
  • First time homebuyers
  • No tax returns required
  • For self-employed borrowers only
Investor Loan Program
This loan program is for a real estate investor who wants to purchase or refinance real estate property based on the property cash flow income.
  • Qualification based on property cash flow
  • Loan amount up to 75% of the property value
  • Loans up to $5 million
  • Credit scores down to 660
  • 2 years seasoning for foreclosure, short sale, or bankruptcy
  • 1-4 units and condos
  • Seller concessions

1099 or Profit and Loss Income

The 1099 or Profit and Loss income loan options are available for self-employed borrowers only. Those loan programs allow the borrower to use either the1099s or the Profit and Loss statement for income verification for the last 2 years in lieu of tax returns.
Address
Capital Trust Mortgage Corp. 7765 SW 87 Avenue, Suite 207Miami, FL 33173 NMLS # 322180
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Certain restrictions applies loan programs and interest rates are subject to change without a notice. The interest rates are based on conventional loans for purchase or rate and term refinance for primary residence with loan amounts from $350,000 to $806,500, loan to value 80% and minimum credit score 780. Please call for exact rates on your loan amount. Interest rates are subject to change without notice.