Alternative-documentation jumbo financing.
When tax returns don't tell the real story — self-employed business owners with smart deductions, retirees living on assets, family-office beneficiaries, recently-sold-business borrowers. We have a jumbo program for each.
Pick by your income shape
| If your real income shows up as… | Best program | Max loan* |
|---|---|---|
| Deposits in business or personal checking | Bank Statement Jumbo | $3M |
| Net income on a CPA-prepared P&L | P&L Only Jumbo | $2.5M+ |
| Liquid assets (you live on what you've built) | Asset Utilization Jumbo | $3M+ |
| Liquid assets covering the entire loan (no income) | Asset Qualifier Jumbo | $3M+ |
*Indicative across our investor partners. LTV, FICO, and reserves drive your specific tier.
The high-end alt-doc reality
The myth: "alt-doc means subprime." The reality at the jumbo level: alt-doc files are often stronger than the Full Doc files at the same desk — these borrowers have meaningful liquidity, conservative LTVs, and deep reserves. They just have an income picture that doesn't compress neatly into a 1040 net-income line.
Pricing on jumbo alt-doc has tightened materially over the last few years. On a strong file, alt-doc Bank Statement or P&L Only often prices within 25–50 basis points of Full Doc — not the wide premium it used to be.
Tell us how your income actually shows up.
20-minute consult — we'll match you to the right alt-doc program based on your real numbers.