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USE BANK STATEMENTS TO VERIFY YOUR INCOME

Self-Employed Business Pros: get approved based on bank deposits — not complicated tax returns.

Select the option that best describes you to see how much you qualify for now!

Business Proprietor
Consulting Professional
Entrepreneur or Gig Economy
Freelancer/Contractual Employee
Real Estate Agent
Retired Individual
Start-up Founder



No SSN required. Zero impact to credit. Your information is never sold.




5.0 Rating out of 4K+ Total Reviews
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What kind of mortgage do you need?

Select an option below to see how much you qualify for now!

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What kind of property are you financing?

Single Family Home
Condominium
Modular/Manufactured
Multi-Family: 2-4 Units
Multi-Family: 5+ Units
Mixed-use
Retail Building
Office Building
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What's the purchase price of the new property?

(an estimate is fine)

[{"by":25000,"end":2000000,"start":100000}]
null
"9"
  • $100K
  • $2M+
Continue
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What's your estimated down payment?

["1% Down","3% Down","3.5% Down","5% Down","10% Down","15% Down","20% Down","25% Down","30% Down","35% Down","40% Down","45% Down","50% Down"]
null
"4"
  • 0%
  • 50%+
Continue
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When are you planning to close?

ASAP: Found a Property / Offer Pending
Within 30 Days
2 - 3 Months
3 - 6 Months
6+ Months
No Time Frame / Still Researching Options
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What's the value of your property?

(an estimate is fine)

[{"by":25000,"end":2000000,"start":100000}]
null
"9"
  • $100K
  • $2M+
Continue
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How are you using this home?

Primary Home
Secondary / Vacation Home
Investment Property
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Do you have a second mortgage?

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How much do you owe on your second mortgage?

(an estimate is fine)

[{"by":10000,"end":500000,"start":50000}]
null
"16"
  • $50K
  • $500K+
Continue
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Have you (or your spouse) ever served in the US military?

Active-Duty Military and Veterans may qualify for better terms and no private mortgage insurance.

No military service
Yes, I (or my spouse) served
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What's your branch of military service?

select an option
select an option
i'm finished
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What's your household gross annual income?

(this is your income before taxes)

Greater than $200,000
$150,000 - $200,000
$100,000 - $150,000
$75,000 - $100,000
$50,000 - $75,000
$30,000 - $50,000
Less than $30,000
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Have you filed for bankruptcy, or had a foreclosure or short sale in the last 3 years?

Our secure platform ensures your information is kept confidential.

No
Bankruptcy
Foreclosure or Short Sale
Both
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How long ago was the bankruptcy?

(an estimate is fine)

["1 year ago","2 years ago","3 years ago"]
null
"2"
  • 0
  • 4+ years
Continue
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How long ago was the foreclosure or short sale?

(an estimate is fine)

["1 year ago","2 years ago","3 years ago"]
null
"2"
  • 0
  • 4+ years
Continue
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How many times in the last 12 months have you been more than 30 days late on a mortgage payment?

I haven't been more than 30 days late in the last 12 months
Once in the last 12 months
Twice in the last 12 months
3 times in the last 12 months
More than 3 times
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What month was your last late payment?

(an estimate is fine)

SELECT THE MONTH
SELECT THE MONTH
i'm finished
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What's your current credit score?

No matter where you're starting from, we're here to help you reach your financial goals.


(an estimate is fine)

Excellent (720+)
Good (680-719)
Fair (660-679)
Needs a Hand (620-659)
Needs a Lift (580-619)
Needs a Boost (500-579)
Needs a Fresh Start (450-500)
Needs Restoration (Below 450)


✅ We look beyond your credit score to say 'Yes' when others won't.


Your information is never sold or shared.



5.0 Rating out of 4K+ Total Reviews



Over 300,000 credit-challenged homeowners have connected with us over the last 12 months to improve their cash flow.
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What is the property address for the loan?

Our secure platform ensures your information is kept confidential.

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Your information is never sold or shared.



5.0 Rating out of 3,991 Total Reviews
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What zip code is your home located in?

Continue
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When is your birthday?

Some programs are only available to specific age brackets.

Month
select month
day
select day
year
select Year
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Great News! 

We have options for you.

Continue to the final steps so we can provide your personalized home financing consultation.


This consultation is 100% FREE and there is no obligation!

(click below to continue)

Continue
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What's your full name?

Continue


Your information is never sold or shared.



5.0 Rating out of 4K+ Total Reviews
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What's your email address?

Continue


Your information is never sold or shared.



5.0 Rating out of 4K+ Total Reviews
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What's your phone number?

Get My Results!

Your information is never sold or shared.



5.0 Rating out of 4K+ Total Reviews
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WHAT ARE ALT-DOC SELF-EMPLOYED LOANS?

Alt-doc self-employed loans are mortgage loans that allow self-employed borrowers to qualify without providing traditional income verification, such as tax returns or W-2 forms. Get My Self-Employed Loan Quote 


Key benefits of alt-doc self-employed loans: 

  • Streamlined qualification process without the need for extensive income documentation

  • Ability to qualify based on alternative factors, such as bank statements or business revenue

  • Faster loan approval and closing times, allowing you to get cash quickly if you qualify 

  • Flexible loan terms and repayment options designed to fit the unique needs of self-employed borrowers

  • Competitive interest rates, helping you maximize your home's equity while saving on monthly payments

  • Exceptional customer service and support, with a 
    4.9/5 rating on Google and BBB






Ready to unlock the financial freedom 
you've earned?


This takes less than 1 minute to complete. There is zero credit impact.








Self-employed individuals can tap their home equity and get cash fast with Top Flite Financial - Consumer Direct

We tailor our loans to fit unique income scenarios, helping you secure financing quickly and efficiently. 

This takes less than 1 minute to complete and there is zero credit impact.













IMPORTANT PRIVACY NOTICE: YOUR INFORMATION WILL NOT BE SOLD

Most mortgage websites sell the information they collect to multiple banks and lenders.

We don't. You’ll get connected with one of our licensed pros and YOU can decide the next steps.




 


Top Flite Financial, Inc. is not acting on behalf of or at the direction of HUD/FHA or the Federal Government. All information contained herein is for informational purposes and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs, and underwriting policies are subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Some products may not be available in all states, and restrictions apply.

Top Flite Financial is an Equal Housing Opportunity company. In accordance with the Equal Housing Opportunity Act, Top Flite Financial does not discriminate against any applicant on the basis of race, color, religion, creed, national origin, ancestry, sex, marital status, familial status (number and age of children), sexual orientation, age (provided that the applicant has the capacity to enter into a binding agreement) medical history, disability, physical condition, military status; because the applicant has in good faith exercised any right under the Consumer Credit Protection Act or the Service Members Civil Relief Act (SCRA); that all or part of a consumer income derives from a public assistance program, or any other basis prohibited by law.







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