GMCC's

Flexible Loan Program for Diverse Income Verification

Simplify Your Loan Application with Our Specialized Program

No need for tax returns, W-2s, or paychecks.
Available across 49 states

Bank Statement Program:

As low as 10% down for primary residences and 15% down for rental properties. Mortgage insurance (MI) not required by default.


Flexible Verification Options:

- Written Verification of Employment (WVOE):
Only 20% down required, with no reserves needed. Accepts EAD, including C08, and foreign borrowers.

- Cash-Out Refinancing:
Up to 65% LTV for loans up to $4M, with a minimum FICO score of 700+, and a DTI up to 50%, specifically for self-employed individuals.


Self-Employed Friendly:

Options for CPA-prepared or borrower-prepared Profit & Loss (P&L) statements.


Enhanced State-Specific Options:

VVOE and borrower-prepared P&L with 30% down, available in 8 select states (CA, CO, GA, IL, NJ, TX, VA, WA).


Efficient Processing:

In-house delegated underwriting and funding for loans up to $4M.


easy process

Get Started Today

If you're looking for a loan solution that understands the unique challenges of verifying income, GMCC's program is here to help. Contact us to learn more about how we can assist you in securing financing for your home with our tailored loan options.

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