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Resources & Downloads

Forms & Documents

Download income calculation worksheets, document checklists, and application forms to prepare for your NON-QM mortgage application. All resources are free and designed to help you get organized.

Income Calculation Worksheets

Calculate your qualifying income for different NON-QM loan programs. These worksheets help you understand how lenders will evaluate your income.

PDF Worksheet
Bank Statement Income Calculator
Calculate your qualifying income using 12 or 24 months of bank deposits. Includes expense ratio guide for personal and business accounts.
PDF Worksheet
Asset Depletion Worksheet
Determine your monthly qualifying income by dividing liquid assets by depletion period. Includes examples for different scenarios.
PDF Worksheet
DSCR Calculation Guide
Calculate your property's Debt Service Coverage Ratio. Includes rental income verification methods and DSCR examples.
PDF Worksheet
1099 Income Analyzer
Analyze your 1099 income for qualification. Includes averaging methods and documentation requirements for gig workers.

Document Checklists by Loan Type

Complete checklists for each NON-QM loan program. Know exactly what documents you need before you apply.

PDF Checklist
Bank Statement Loan Checklist
Complete document checklist for bank statement loans including 12/24 month statements, ID, credit authorization, and property documents.

Required Documents:

  • 12 or 24 months personal/business bank statements
  • Government-issued photo ID (driver's license or passport)
  • Credit report authorization form
  • Purchase contract or refinance property information
  • Homeowners insurance quote
  • Proof of reserves (2-6 months PITI)
PDF Checklist
DSCR Loan Checklist
Document requirements for DSCR investment property loans. No personal income documentation needed—property income only.

Required Documents:

  • Purchase contract or property address (for refinance)
  • Current lease agreement (if property is rented)
  • Rent schedule or appraisal with market rents
  • Government-issued photo ID
  • Credit report authorization
  • Proof of down payment funds
PDF Checklist
Asset Depletion Loan Checklist
Required documents for asset depletion loans. Focus on asset statements—no tax returns or employment verification needed.

Required Documents:

  • 2-3 months statements for all asset accounts
  • Retirement account statements (401k, IRA, pension)
  • Investment account statements (stocks, bonds, mutual funds)
  • Bank account statements (checking, savings, CDs)
  • Government-issued photo ID
  • Credit report authorization
  • Proof of reserves after down payment
PDF Checklist
Foreign National Loan Checklist
Documentation for non-US citizens seeking US property financing. Includes visa, ITIN, and international document requirements.

Required Documents:

  • Valid passport from country of citizenship
  • US visa (if applicable) or proof of residency status
  • ITIN (Individual Taxpayer Identification Number)
  • Proof of income (international bank statements or employment letter)
  • Proof of down payment funds (can be from foreign accounts)
  • Credit report authorization (US credit if available)

Application Forms

Download and complete these forms to expedite your application process. All forms are fillable PDFs.

Fillable PDF
Pre-Qualification Form
Quick pre-qualification form to assess your loan scenario. Get an initial assessment within 24 hours.
Fillable PDF
Full Loan Application (1003)
Uniform Residential Loan Application (URLA). Complete application for all loan types.
Fillable PDF
Authorization Forms Package
Credit authorization, asset verification, and employment verification forms bundled together.

Helpful Guides

Educational resources to help you understand the mortgage process and prepare for a successful application.

PDF Guide
Document Preparation Guide
Step-by-step guide to organizing your documents for faster approval. Includes tips for self-employed borrowers.
PDF Guide
Understanding Your Credit Report
Learn how to read your credit report, identify errors, and improve your credit score before applying.
PDF Guide
Closing Cost Breakdown
Detailed explanation of all closing costs for NON-QM loans including origination, appraisal, title, and escrow fees.

Document Preparation Tips

Organize by Category

Group documents into folders: Income Documentation, Asset Statements, Property Information, and Personal Identification. This makes it easier to upload and track what you've submitted.

Use Clear File Names

Name files descriptively: "BankStatement_Chase_Jan2024.pdf" instead of "scan001.pdf". This helps your loan officer quickly identify and process your documents.

Ensure Readability

Make sure all documents are clear and legible. Avoid shadows, ensure text is readable, and include all pages (even blank ones) from bank statements and other multi-page documents.

Submit Complete Statements

For bank statements, include every page from beginning to end, even pages with no transactions. Underwriters need to see the full statement period and ending balance.

Need Help Getting Started?

Our loan officers can walk you through the documentation requirements for your specific loan program and answer any questions you have.