ALT DOC

Loans

No Paystubs, W2s or Tax Returns Required
Alt Doc or Alternative Documentation Loans provide unique opportunities to qualify for a home loan using non-traditional documentation to determine qualifying income
Bank Statement Loans
  • A bank statement program is a home loan program that uses deposits in bank statements to calculate income.  These loans are for self-employed borrowers who typically have substantial tax write-offs that make it challenging to demonstrate the necessary income to get pre-approved for the purchase price they are looking for
  • Can use either personal or business bank statements
  • Down Payment requirement as low as 10%
  • Credit scores 600+
  • Available for purchase and refinance

Share your Scenario with us to See How Much You Can Afford

You have questions, we have answers.

Together, we’ll find great mortgage solutions.
Schedule a talk with a loan advisor or leave a message. We’ll get back within one business day.

You can rest assured knowing that you’re in capable hands. We will guide you through each step of the process.

Shining Star Funding Logo

6101 Bollinger Canyon Rd #344, San Ramon, CA 94583
Toll Free Call : (866) 280-0020

Copyright ©2024 Shining Star Funding A division of American Pacific Mortgage Corporation | NMLS ID # 1850 (www.nmlsconsumeraccess.org) | 6101 Bollinger Canyon Rd #344, San Ramon, CA 94583 Phone (925) 820-2981 | Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.

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.

Privacy Policy | Legal/Licensing | Accessibility Statement | Term of Use | NMLS Consumer Access Equal Housing Opportunity