W-2 Only
The W-2 Only program is a flexible Non-QM solution for borrowers with variable income like bonuses, commissions or RSUs. Qualification uses only the most recent W-2.
Get Your Quote“Eric is a very experienced lender with great communication. He's wonderful to work with always meets timelines or beats them. Working with Eric is a pleasure and I recommend utilizing his services.”
Ca Perry
The W-2 Only program is a flexible Non-QM solution for borrowers with variable income like bonuses, commissions or RSUs. Qualification uses only the most recent W-2.
Benefits
- Qualify using W-2 forms only, no tax returns needed
- Quick and simple application process
- Lower documentation requirements
- Ideal for salaried or hourly employees
- Competitive interest rates
- Streamlined approval process
- Fixed and adjustable-rate options available
Eligibility requirements
- W-2 employee with steady income
- Minimum credit score, typically 620+
- Debt-to-income ratio below 50%
- Employment history of at least two years
- Property must meet lender criteria
- Requires a standard down payment
Schedule a call
Talk to a mortgage expert today
Get personalized guidance for your mortgage needs. Schedule a call with one of our mortgage experts to discuss your options—no pressure to move forward afterward.
Phone number:
925-788-1644Email address:
team@mymortgageally.comOther loans
Home Advantage 3
Best for first-time homebuyers and repeat homebuyers.
- Down payment as low as 3%
- No mortgage insurance ever
- Below market interest rates
Profit And Loss Only Loan
For business owners who prefer to use profit and loss statements instead of tax returns.
- Business-focused
- Simplified documentation
- Faster qualification
Investor Loan
Best for real estate investors seeking financing for rental properties
- Flexible qualification requirements
- Up to 80% of the property value
- Primary residence not required
NON-QM Loan
Ideal for those with unique income situations that don't fit traditional lending.
- Flexible documentation
- Credit flexibility
- Tailored solutions
Fixed Seconds
A second mortgage with a fixed rate, great for accessing equity without refinancing.
- Fixed interest rate
- Access equity
- Flexible use
HELOC
A Home Equity Line of Credit gives you flexible access to funds using your home equity.
- Access equity as needed
- Flexible repayment
- Great for renovations
Debt Service Coverage Ratio (DSCR) Investor
For property investors looking to qualify based on rental income.
- Rental income focused
- No personal income verification
- Investment-focused
Asset Utilization
Use your assets to qualify, rather than income.
- Leverage your assets
- No income required
- Flexible terms
No Income, No Employment
A flexible option for investors who don't want to verify income or employment.
- Easy qualification
- Investment-friendly
- Quick approvals
Bank Statement
For self-employed individuals who can qualify using bank deposits instead of traditional income verification.
- No tax returns needed
- Flexible requirements
- Competitive terms
Buy before you sell loan
A flexible loan for those who need to buy a new home before selling their current one.
- Bridge the gap
- Less stress
- Short-term financing
Bridge Loan
Buy a new home before your old one sells with this temporary financing.
- Access cash quickly
- Move before selling
- Short-term support
Jumbo Loan
For high-value properties needing larger loans that exceed conforming limits.
- Higher loan limits
- Competitive rates
- Flexible repayment options
VA Loan
Exclusive to veterans, active military members, and their families, providing unbeatable benefits.
- Flexible terms
- Low interest rates
- No surprises
Conventional Loan
A solid option for most homebuyers who have a good credit score and a stable down payment.
- Flexible terms
- Low interest rates
- No surprises
FHA Loan
Perfect for first-time buyers or those with limited down payment savings.
- Low down payments
- Easier qualification
- Competitive rates
Get a quote
Get your personalized quote in just 60 seconds
No hassle, no stress—just a quick way to see your options. Get your mortgage quote with zero obligations and zero impact on your credit score.
Get a quote- Live rates
- No commitment
- No credit pulls