BUILT FOR
THE LOANS
THAT FALL OUT.
AI-assisted document workflows. Fast answers. Human lending expertise. Capital when others can’t.
Built around the exception.
Alternative-documentation solutions for borrowers, investors and properties that do not fit traditional lending guidelines.
DSCR
Investment-property financing built around property cash flow rather than traditional personal income documentation.
Bank Statement
Deposit-based analysis for borrowers whose tax returns do not cleanly reflect actual cash flow.
P&L
Profit-and-loss documentation options for qualifying self-employed scenarios.
Second TD
Access equity while preserving an existing first mortgage where the transaction and program fit.
Stated / No-Doc
Selected investment and business-purpose scenarios where asset, equity and structure carry more of the story.
Bridge Takeout
Long-term exits for maturing private and hard-money notes when timing and certainty matter.
Less ceremony. More answers.
A rescue workflow designed to make difficult scenarios faster to understand and easier to structure.
The rescue flow
Why AltDoc is fast
AI-assisted workflows reduce document drag so experienced people can focus on structure, program fit and whether the loan can actually close.
A lending system built by mortgage people.
The advantage is not AI by itself. It is applying technology to the exact parts of mortgage operations that slow difficult loans down while keeping experienced human judgment at the center of the transaction.
Experience + technology
AltDoc is built around a simple reality: difficult loans often fail because the story is hard to process quickly. We combine mortgage experience with a modern operating workflow designed around the exception.
What we stand for
Useful answers for loans that do not fit the box.
Quick material for referral partners and borrowers who want to know when AltDoc may have a path.
When to send a loan
Self-employed income, investors, seconds, bridge exits and files that have already fallen out elsewhere.
What to text first
Address, FICO, occupancy, desired amount, income story, what broke and any immediate deadline.
Where AI fits
AI supports intake, document organization and review workflows. Human lending judgment remains central.
Let’s get your loan moving.
Start your secure AltDoc application through our ARIVE borrower portal. You can complete the application, provide supporting information, and return to your file as the loan moves forward.
One application.
One clear path.
Use the secure application below to tell us about you, the property, and the financing you need. AltDoc will review the story and help determine the best available path.
Complete the borrower application and core loan information.
Supporting information and requested documents stay tied to your loan workflow.
AI-assisted operations help organize the file; experienced mortgage professionals evaluate the lending path.
Your borrower portal remains the secure place for your application, tasks, and loan-related documents.
Send us the loan that fell out.
You can put the borrower directly into the AltDoc application, or send us the file you already have. Either way, the goal is the same: get to a real answer quickly and protect your client relationship.
Have the borrower apply.
Use the AltDoc borrower application when the client is ready to complete a fresh 1003 and enter their information securely.
OPEN BORROWER APPLICATION →You already have the file.
Tell us who the borrower is and what you have. We’ll create or locate the loan in ARIVE and return a loan-specific secure upload link for the documents.
Request an ARIVE document-upload link.
The ARIVE upload link is created for a specific loan file, so we need just enough information to identify or create the file first. Do not attach sensitive documents to ordinary email.
Already sent us the loan?
Go to My AltDoc for the partner-status view.
Know where the loan stands.
A partner-friendly status view designed to sit on top of ARIVE: one clear stage, what AltDoc is doing, what we need from you, and what happens next.
742 Harbor
DSCR · $1.28M · Investment Property
Underwriter review
The lender has the file and is reviewing the initial submission. We’re watching for the first conditions or approval decision.
ARIVE stays the source of truth.
ARIVE underneath. AltDoc language on top.
The status center is intentionally simpler than a full LOS screen. ARIVE remains the source of truth; My AltDoc translates its milestones into the handful of things a referring loan officer actually wants to know: Where is it? Is something needed? Who has the ball? What happens next?