Bank Statement Loans
No Tax Returns Required
Qualify using 12-24 months of bank deposits instead of tax returns. Perfect for self-employed borrowers who maximize business deductions.
DSCR Loans
Qualify on Rental Income
Debt Service Coverage Ratio loans for real estate investors. Qualify based on property cash flow, not personal income.
Asset Depletion Loans
Use Your Wealth to Qualify
Qualify using liquid assets instead of traditional income. Ideal for retirees, high-net-worth individuals, and those with substantial savings.
Foreign National Loans
No SSN Required
US property financing for non-US citizens. ITIN or foreign passport accepted with no US credit history required.
1099 & P&L Only Loans
Flexible Documentation
Qualify using 1099 forms or CPA-prepared P&L statements. Perfect for contractors, freelancers, and gig workers.
Investment Property Loans
Build Your Portfolio
Specialized financing for rental properties and real estate investments. Multiple programs available for different investor profiles.
Jumbo NON-QM Loans
High-Balance Financing
High-balance alternative lending for luxury properties. Multiple documentation options for loan amounts up to $3.5 million.
Closed-End Second Liens
Keep Your Low First Rate
Access home equity without refinancing your first mortgage. Fixed-rate second mortgages with combined LTV up to 90%.
HELOC
Revolving Credit Line
Home Equity Line of Credit with SOFR-linked rates. Flexible revolving credit secured by your home equity.
Credit Challenged Loans
Recent Credit Events OK
FHA/VA manual underwriting and NON-QM options for borrowers with recent credit events or lower credit scores.
Quick Comparison
Compare key requirements across our most popular loan programs
| Loan Type | Min Credit | Max LTV | Max Loan | Income Docs | Investment OK |
|---|---|---|---|---|---|
| Bank Statement | 620+ | 80% | $3,500,000 | Alt Doc | |
| DSCR | 620+ | 80% | $3,500,000 | None | — |
| Asset Depletion | 660+ | 80% | $3,500,000 | Assets | |
| Foreign National | No | 70% | $3,000,000 | Alt Doc | |
| 1099 / P&L | 620+ | 80% | $3,500,000 | Alt Doc | |
| Investment | 620+ | 80% | $3,500,000 | Alt Doc | — |
Frequently Asked Questions
Common questions about our loan products
All loans subject to credit approval. This is not a commitment to lend.
NorthStar Funding is a licensed mortgage broker. NMLS #139369. Equal Housing Lender. All loans subject to credit approval. Rates and terms subject to change without notice.