Alt Docs Loans
Our alternate doc loans are perfect for borrowers who cannot qualify based on W2s, paystubs and tax returns.
Our alternate documentation loans will consider any of the following documentation. Twelve months business or personal bank statements, asset based loans,1099 receipts and 12 months Profit and Loss statements. We will use one or more income streams to qualify you for the maximum loan. Asset based loans consider your total liquid assets such as bank,stock and retirement accounts. Profit and Loss statements, based on the last 12 months, prepared by a Tax preparer or CPA are used to qualify you for the loan. Your most recent 1099, for the previous year, is used to qualify you for the loan. Bank Statement and DSCR loan information is available in separate educational videos.
US Citizens, Permanent residents, Non-Permanent Residents and Foreign Nationals are eligible. Borrowers with ITIN only, and EAD card holders, with no visa, are also eligible.
We want to be part of your Journey!
We believe finding the perfect home is a life-changing experience, not just a transaction. Whether you’re upsizing, downsizing, or starting fresh, we’re here to guide you with trust, care, and expertise every step of the way.
Homebuyer Resources
Buying a home is a journey—and you don’t have to go it alone. Our Homebuyer Resources hub offers everything you need to make well-informed decisions at every stage: from credit tips and budgeting tools, to down payment strategies and mortgage comparisons. Available 24/7 to you.
Mortgage Rate
Understanding current mortgage rates is essential for anyone planning to buy or refinance a home. Watch our short video below to learn more about the current mortgage rates —see what rate you might qualify for, what your monthly payments could look like, and how even small changes in rate can impact your budget.
Get Fully Underwritten Before Your Offers
We ALL want a competitive edge. Our clients DESERVE a competitive edge. This is where Fully Underwritten Approvals play a valuable role.The underwriter has reviewed income, assets and liabilities to render a full approval for the borrower, even before the borrower has identified a property to purchase.
Bank Statement Loans
Shining Star Funding provides Bank Statement Loan programs designed especially for self-employed individuals, entrepreneurs, and business owners who may not have traditional income documentation. Instead of relying on tax returns or W-2s, this loan option uses 12 to 24 months of personal or business bank statements to verify income. This flexible approach makes homeownership possible for borrowers with strong cash flow but complex finances. Whether you are purchasing a home, refinancing, or investing in real estate, Shining Star Funding’s Bank Statement Loans offer competitive terms, personalized service, and the opportunity to qualify based on real income strength, not paperwork limitations.
We're Here To Help
We’re always happy to chat, but sometimes you need to do things at your own pace. Our tools and resources are available whenever you need them.
527 Sycamore Valley Rd W, Danville, CA 94526
Toll Free Call : (866) 280-0020
For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.
Interactive calculators are self-help tools. Results received from this calculator are designed for comparative and illustrative purposes only, and accuracy is not guaranteed. Shining Star Funding is not responsible for any errors, omissions, or misrepresentations. This calculator does not have the ability to pre-qualify you for any loan program or promotion. Qualification for loan programs may require additional information such as credit scores and cash reserves which is not gathered in this calculator. Information such as interest rates and pricing are subject to change at any time and without notice. Additional fees such as HOA dues are not included in calculations. All information such as interest rates, taxes, insurance, PMI payments, etc. are estimates and should be used for comparison only. Shining Star Funding does not guarantee any of the information obtained by this calculator.
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CMG Mortgage, Inc. dba Shining Star Funding, NMLS ID# 1820 (www.nmlsconsumeraccess.org, www.cmghomeloans.com), Equal Housing Opportunity. Licensed by the Department of Financial Protection and Innovation (DFPI) under the California Residential Mortgage Lending Act No. 4150025. To verify our complete list of state licenses, please visit www.cmgfi.com/corporate/licensing