Asset Utilization

The Ideal Self-Employed Borrower

Apache Mortgage's Non-QM Mortgage Solutions

Asset Utilization Loans for the Self-Employed

Our program provides Non-Qualified Mortgages with a variety of attractive options, including fully amortizing 15 & 30-Year Fixed Rate loans, 5/6 & 7/6 ARM options, as well as interest-only 40-year Fixed Rate and 5/6 & 7/6 ARM loans with a 40-year term. You can access loan amounts ranging from $100,000 to $4,000,000.

We offer flexible bank statement income documentation, allowing you to choose between:

  • 24 Month Bank Statements, whether they are from personal or business accounts.

  • Alternatively, you can opt for 12 Month Bank Statements, also available for both personal and business accounts.

Our interest-only and fully amortized products provide even more choices to meet your unique financial needs. You can benefit from:

  • Debt-to-Income (DTI) ratios of up to 55% with a 24-month standard documentation.

  • Impressive Loan-to-Value ratios (LTVs) reaching up to 90%, all without the need for Mortgage Insurance (MI).

These programs can be much lower-costing than financing with a HELOC, private money loans, or credit card.

With this range of options, we aim to provide you with the flexibility and accessibility you need to secure the mortgage that suits your specific circumstances.

Contact Us Today

Ready to upgrade your home?

Reach out to us at 949-799-4329 and let's start this journey together.

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Copyright 2023 . All rights reserved

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Equal Housing Opportunity © 2023 Apache Mortgage Inc, 695 Town Center Dr., Suite 1200, Costa Mesa, CA 92626, 949-799-4329. NMLS ID # 2454357 DRE # 02209550. For licensing information go to www.nmlsconsumeraccess.org. Trade/service marks are the property of Apache Mortgage Inc and/or its subsidiaries or affiliates. Information is intended solely for mortgage bankers, mortgage brokers, and financial institutions. For more information, review Apache Mortgage Inc's state licenses and important notices. Co-op loans not available. Some products may not be available in all states. Information, rates and pricing are subject to change without prior notice at the sole discretion of Apache Mortgage Inc, Mortgage Broker. All loan programs are subject to borrowers meeting appropriate underwriting conditions. This is not a commitment to lend. Other restrictions apply. [06-2023]