Start the 60-second check-in

Find my loan path

Get started

Find my loan pathMatched in 5 questions
Get pre-approvedWhat it takes, and what it is worth
Affordability calculatorWhat can you buy?

Self-employed?

Skip the W-2 song and dance. Start with our 5-question matcher.

By scenario

First-time homebuyer
Buying an investment property
Buying a second home
New construction
Buying with a co-borrower
Relocating for business

Popular purchase loans

Bank statement loanNon-QMNo tax returns required
DSCR loanNon-QMQualifies on rental income
Conventional 30-yr fixedUsually the lowest rate
FHA loanLow down payment
VA loan$0 down for veterans
Jumbo loanHigh-value properties
See all purchase loans

Get started

Find my refi matchMatch to a refi program
Talk through rate optionsStart a conversation with an officer
Refi savings calculatorModel break-even & savings

Refi a Non-QM?

We refinance bank statement, DSCR, and 1099 loans — including ours and other lenders'.

By goal

Lower my monthly payment
Shorten my loan term
Drop PMI / mortgage insurance
Get cash out of my home
Consolidate debt
Refi out of hard money

Refinance loan options

Rate & term refinanceLower rate or change term
Cash-out refinancePull equity as cash
Bank statement refiNon-QMNo tax returns
DSCR cash-out refiNon-QMOn rental income
1099 refiNon-QMNo W-2 required
FHA streamline / VA IRRRLSimplified rate reduction
See all refi options

Access your equity

Equity calculatorWhat can you borrow?
How much can I borrow?Estimate your capacity
Compare cash-out vs HELOCSide-by-side comparison

Equity for your business

Use home equity to fund expansion, working capital, or an acquisition — without a business loan committee.

Equity products

HELOC (line of credit)Draw what you need
Home Equity Loan (fixed)Fixed rate lump sum
Cash-out refinanceOne loan replaces old
Reverse mortgageFor qualifying seniors

For business owners

Equity to grow the businessFund expansion
Equity to buy investment propertyRental portfolio growth
Equity to acquire a businessAcquisition capital
Equity for working capitalFlexible business draw
Debt consolidationReduce blended rate

By how you earn

Self-employed / business owner
1099 / independent contractor
Real estate investor (SMB)
Founder with equity comp
High-earning couple

You built the business.

We'll get you the home. That's the whole pitch.

By industry

Trades & construction
Healthcare & medical
Restaurant & food
Professional services
Retail & e-commerce
Tech & SaaS
All 115 industries

Why Sunrise

How we read business-owner income
How our matcher works
Case studies & stories
Meet the team
Our underwriting philosophy

Tools & learn

DSCR calculatorCheck your ratio
Bank-statement income calcEstimate qualifying income
Self-employed mortgage guide
Non-QM 101
Glossary
FAQ

Built for business owners

Bank statement loanNon-QMQualify on deposits
P&L-only loanNon-QMCPA P&L as income doc
1099 loanNon-QMNo Schedule C reduction
See all SMB-owner loans

Not sure?

Compare every program side-by-side.

Built for investors

DSCR loanNon-QMProperty cash flow qualifies
Asset depletionLiquid assets as income
Foreign national / ITINNo U.S. credit needed
Bridge loanBuy before you sell

Standard programs

Conventional
Conventional 15-yr fixed
Adjustable-rate (ARM)
FHA loan
VA loan
Jumbo loan

Specialty

Construction-to-perm
Cash-out refinance
HELOC
Bridge loan

What are you looking for?

Buy a home Refinance Get cash

Find my loan path

The mortgage company built for business owners — underwritten by people who read K-1s, P&Ls, and bank statements fluently.

Equal Housing Opportunity

Journeys

Buy a home
Refinance
Get cash / equity
Find my loan path

Loan programs

Bank statement loans
DSCR loans
P&L-only loans
1099 loans
All programs

Company

About
Who we help
Industries
How it works
FAQ
Glossary
Calculators
Resources
Blog
Sign in

Legal

Terms
Privacy
NMLS Disclosures
State licensing

Sunrise Lending is the mortgage practice of Alexander Goode, a licensed mortgage loan originator (NMLS #2840464), originating loans through Morty, Inc. (NMLS #1429243). Currently licensed to originate in Michigan. Loan availability and terms vary by state. Information presented is for general educational purposes and not a commitment to lend. Sunrise Lending is not affiliated with, or acting on behalf of or at the direction of, any government agency, including the FHA, VA, HUD, or USDA.

Alexander Goode · NMLS #2840464·Morty, Inc. · NMLS #1429243·NMLS Consumer Access·Licensed in Michigan·Matching rules are written and reviewed by licensed mortgage professionals; loan decisions are made by licensed mortgage professionals.