If you're self-employed or have a non-traditional source of income, you may have faced challenges in qualifying for a mortgage through conventional routes. The good news? Kind Lending is here to make homeownership more accessible with our Alt-Doc Bank Statement Loan. This solution is designed to fit the needs of borrowers who are looking for a way to qualify for a mortgage without using tax returns.

What is an Alt-Doc Bank Statement Loan?

Our Alt-Doc Bank Statement Loan is a Non-Qualified Mortgage(Non-QM) option that allows borrowers to use their bank statements as proof of income. Instead of relying on tax returns or pay stubs, which may not accurately reflect your earnings as a self-employed individual or freelancer, you can use your bank account activity to demonstrate your ability to repay the loan. This offers a flexible path to homeownership without the hurdles of traditional documentation requirements.

Who is it for?

• Self-Employed Individuals: Entrepreneurs, business owners, and independent contractors often have fluctuating income that doesn’t align with standard lending guidelines.
• Freelancers & Gig Workers: Non-traditional income streams from freelancing, consulting, or gig work don’t always show up in typical pay structures, but that shouldn’t prevent you from owning a home.

‍

Benefits of Our Alt-Doc Bank Statement Loan

• Flexible Documentation: No need for tax returns or W-2s—just use your bank statements to qualify. Business or personal bank statements are permitted.
• Easier Qualification: Show your ability to repay the loan without the traditional documentation roadblocks.
• Customizable Terms: We offer flexible terms that fit your unique financial situation.

‍

Why Choose Kind Lending?

Kind Lending is committed to making the mortgage process as smooth and efficient as possible. Our team of dedicated loan officers is ready to help you navigate the Alt-Doc loan process, answering any questions and guiding you every step of the way.

If you’re ready to take the next step toward homeownership, contact a Kind Loan Officer today to learn more about how our Non-QM loan options can work for you.

‍