This borrower was able to purchase his family’s dream home using alternative income documentation. As a self-employed entrepreneur with stakes in two businesses — owning 70% of one and 25% of the other — traditional full-doc qualification wasn’t going to capture the true picture of his cash flow. Our Apex 12-month bank statement program allowed us to look at deposits across both entities and qualify him for a substantial Jumbo Non-QM loan.
From initial underwriting on March 3, 2026 to clear-to-close on March 13, 2026 and funded on March 19, 2026, the file moved start-to-finish in just over two weeks — exactly the kind of speed and certainty self-employed borrowers need when competing for high-end inventory.
Loan Details:
- Loan Program: Apex – 12-Month Bank Statements
- Loan Amount: $2,775,000
- Transaction Type: Purchase
- Property Type: SFR
- LTV: 75%
- Occupancy: Primary Residence
- Credit Score: 766
- Loan Term: 30-Year Fixed