Non-QM and Alternative Mortgage Programs for Every Complex Scenario

Jumbo and high-balance mortgage financing for primary residences, second homes, and investment properties above the conforming loan limit. Available with bank statement, asset-based, or full-doc qualification depending on your profile.

Ground-up and renovation financing for custom builds, spec homes, and mixed-use developments in Austin and across Texas. Draw schedules built around your actual project timeline.

Mortgage programs built for doctors and medical professionals in Texas that account for student debt, training income, and compensation structures that conventional underwriting consistently misreads.

U.S. real estate financing for international buyers and ITIN holders in Texas. No Social Security number, no U.S. credit history, and no U.S. tax returns required.

Bank statement loans, DSCR qualification, asset depletion, 1099 income, and P&L statements accepted as alternatives to traditional tax returns for self-employed borrowers and investors.

Short-term bridge financing and portfolio lending for Texas real estate investors who need capital that moves quickly or a single lender relationship across multiple properties.

Financing for buyers purchasing in new condo developments in Texas that haven't yet met standard presale thresholds or agency approval requirements.

Financing for condos that fall outside Fannie Mae and Freddie Mac eligibility guidelines due to investor concentration, HOA issues, litigation, or other project-level factors.

Home equity loans and HELOCs as second liens behind an existing first mortgage, giving you access to equity without refinancing your primary loan or giving up your current rate.

Investment property financing in Texas with title held in an LLC or corporation, without losing access to competitive loan terms or programs.

Mortgage qualification using Bitcoin or Ethereum holdings as qualifying assets in Texas, without requiring you to liquidate your digital assets.