My Mortgage, Inc. takes applications and completes settlements for proprietary programs offered by our lender partners.  Lenders offering proprietary programs have greatly expanded in recent years to fill a need in the mortgage market for common sense programs. 

Below are some of the niche programs.  

Please contact a My Mortgage, Inc. licensed loan officer for more information:

Alternative Income Qualification:

• 12–24-month Bank Statement qualification
  • Self-employed borrowers can income qualify with bank statement deposits
• Asset Dissipation
  • Convert assets to income for qualification
• P&L Only self-employed borrowers can qualify with an audited Profit and Loss 
• 1 year tax returns
  • Qualify with 1 year tax returns

Property Qualification:

• Non-warrantable condominiums 
  • Condo projects that are ineligible for agency & government (Fannie Mae, Freddie Mac, FHA, VA & USDA) loan products 
• Fix and Flip
  • Renovate and sell a home with fix and flip product lines
• Renovation & Construction
  • Make or build the home of your dreams
• Commercial Properties including commercial construction
• Lot Loans
• Mixed Use- Commercial and Residential land use
• 5 Units plus 
  • Conventional and government backed are designed for 1–4-unit properties
• Debt Service Coverage Ratio
  • Investors can qualify with property driven income

Borrower Qualification:

• Foreign National
  • purchase a property as a foreign national
• ITIN
  • purchase a property with an Individual Tax Identification Number
• No down payment
  • 80/20 1st and 2nd Mortgage 

Other Products:

• Reverse Mortgage for home purchase & refinance
• Bridget Loans
• Piggyback Mortgages
  • 2nd mortgage to close simultaneously with a 1st Mortgage for purchase or Refinance