Loan programs
Every loan we offer, organized for you.
Non-QM specialty programs for business owners and investors. Conventional, FHA, VA, and jumbo for when your file fits the standard box. One brokerage covers the full stack — we match you to the program where your file performs best.
Built for business owners
Non-QM programs that qualify on how you actually earn — bank deposits, a CPA P&L, or 1099 income — not on adjusted gross income after write-offs.
Bank Statement Loan
Specialty12–24 months of business deposits as your income. No tax returns required.
Learn moreP&L-Only Loan
SpecialtyA CPA-prepared profit & loss statement is the income document. No bank statement averaging.
Learn more1099 Loan
Specialty1099 income on its own — no Schedule C reduction, no W-2 required.
Learn more
Built for investors
Programs where the property or the portfolio qualifies — not just your personal income on paper.
DSCR Loan
SpecialtyThe property pays the mortgage — rental income carries the loan, your taxes stay out of it.
Learn moreAsset Depletion
SpecialtyQualifying income calculated from liquid assets — for founders and operators with significant portfolios.
Learn moreForeign National / ITIN
SpecialtyU.S. property loans for non-resident borrowers. No U.S. credit history required.
Learn moreBridge Loan
Short-term financing to bridge a gap — buy before you sell, or fund a renovation.
Learn more
Standard programs
When your file fits an agency or government box, we place it directly — often at the lowest available rate.
Conventional Loan
The standard mortgage at the lowest available rate. If your file fits the agency box, this is usually the cheapest path.
Learn moreConventional 15-Year Fixed
Pay off faster, build equity faster, and pay significantly less total interest.
Learn moreAdjustable-Rate (ARM)
Lower initial rate, fixed for 5–10 years — best for buyers who plan to move or refinance.
Learn moreFHA Loan
Lower down payment, more flexible credit. Government-backed and available for self-employed buyers.
Learn moreVA Loan
For veterans and active service members. $0 down, no PMI, competitive rates.
Learn moreJumbo Loan
Above conforming loan limits — for high-value properties and high-cost markets.
Learn more
Specialty programs
Purpose-built products for specific situations — construction, equity access, or short-term capital.
Construction-to-Perm
One loan covers the build and converts to a permanent mortgage at completion.
Learn moreCash-Out Refinance
Access your equity in a lump sum by replacing your existing mortgage.
Learn moreHELOC
A revolving line of credit secured by your home — draw as needed, repay what you use.
Learn moreBridge Loan
Short-term financing to move fast — buy before you sell or fund a fix-and-flip.
Learn more
Not sure which program fits?
Our 5-question matcher analyzes your income structure and identifies the 1–3 programs where your file performs best. No credit pull, no tax returns required at this stage.
Information on this page is for general educational purposes and is not a commitment to lend or an offer of specific loan terms. Loan availability, rates, and qualifying requirements vary by borrower profile, property type, and state. Program availability subject to lender approval and licensing.
Sunrise Lending originates through Morty, Inc. (NMLS #1429243) · Licensed in Michigan · Equal Housing Opportunity. Matching rules are written and reviewed by licensed mortgage professionals. Loan decisions are made by licensed mortgage professionals. See footer for originator details.