When Traditional Loans Don’t Fit, We’ve Got Options
At Heartland Financial & Mortgage, we understand that not every borrower fits into a one-size-fits-all mortgage box. Whether you're self-employed, investing in real estate, or facing credit challenges, you still deserve access to home financing options that work for your unique situation. That’s where alternative mortgage solutions come in.
These flexible loan programs are designed to help people who may not qualify for conventional loans due to income documentation, credit history, or property type. Let’s explore a few of the most common alternatives we offer.

1. Bank Statement LoansPerfect for self-employed individuals, freelancers, and business owners who don’t receive traditional W-2 income.

• Use personal or business bank statements to verify income
• No tax returns or pay stubs required
• Great for entrepreneurs and independent contractors

2. DSCR Loans (Debt Service Coverage Ratio Loans)Ideal for real estate investors looking to finance rental properties based on property cash flow — not personal income.

• Loan qualification based on the property's rental income
• No income verification or employment history needed
• Fast closings for investment property buyers

3. Non-QM Loans (Non-Qualified Mortgages)Designed for borrowers who fall outside traditional lending guidelines due to unique income sources, credit history, or other non-conforming factors.

• Options for borrowers with recent credit events like bankruptcy or foreclosure
• Flexible underwriting guidelines
• Higher loan limits and asset-based solutions available

4. ITIN LoansHelping individuals without a Social Security Number purchase a home with an Individual Taxpayer Identification Number (ITIN).

• Great option for non-citizen residents
• Flexible credit and income requirements
• Build equity while establishing a financial future

5. No-Ratio or Asset-Based LoansIf your assets outweigh your income or you want to avoid income verification altogether, this solution may work for you.

• Qualification based on liquid assets or net worth
• No income or employment documentation
• Often used for retirees or high-net-worth individuals

Why Choose Heartland Financial & Mortgage?
We take pride in offering personalized loan solutions that go beyond the basics. Whether you’re starting a new chapter, growing your investment portfolio, or navigating a unique financial situation, our team will walk with you every step of the way — with experience, integrity, and commitment.

Let’s Find the Right Loan for You
Not sure which option is right for you? We’ll help you compare your choices and find the mortgage that fits your needs today — and your goals for tomorrow.
Contact Heartland Financial & Mortgage to schedule your free consultation or pre-approval.
Serving Overland Park and the greater Kansas City area.