LOAN OFFICER / BROKER DESK
Your bank said no.
That's where we start.
We close the non-QM files a bank menu can't — and we're built for exactly the moment a file falls out. Text the scenario to Ken Schisler, Broker, and you'll have a real answer the same day: what we can do, at what terms, or a straight "this one doesn't work."
Text or call it in.
Doc type, FICO, LTV, property, and what the bank objected to. That's enough for a same-day read — no forms, no portal, no waiting on an underwriter's calendar.
Send the file you have.
Already packaged? Email what you've got to ken@altdoc-loans.com and we'll work from your stack — 1003, statements, whatever exists today.
Your client stays yours. We answer to you, we update you, and your borrower hears about the takeout from you — not from us. That's the whole arrangement, and it's why LOs send us the next one.