Banc of California offers a unique suite of commonsense jumbo lending products designed for entrepreneurs, self-employed and professional borrowers with complex needs.

Full Documentation Products

  • Non-QM
    • Full documentation loan designed for borrowers who document and source all household income, assets, and liabilities according to Portfolio Underwriting Guidelines.
  • Expanded Criteria
    • Designed for borrowers with less than perfect credit who may have had one major derogatory credit event.
  • Foreign Nationals
    • Designed for borrowers that are defined as citizens of another country, have their primary residence located in their country of origin and, who have a valid visa to visit the US for business or leisure and are seeking to purchase or refinance an investment property.

Alternative Documentation Products

  • 12-Month Bank Statements
    • Banc of California’s 12-Month Bank Statement Program leverages 12 months of bank statements to establish the borrower’s ability to repay. No tax returns are required.
  • Assets for Income
    • Designed for high net-worth borrowers with significant liquid assets. The borrower’s assets are leveraged to establish the borrower’s ability to repay.
  • 1-Year Tax Returns
    • Designed for the self-employed borrower who has been working a minimum of two years in the current business owned, but who may have had an isolated period of lower income prior to the most recently filed tax year.
  • Foreign Nationals
    • Assets for Income
    • Debt Service Coverage Ratio (DSCR)
  • Adjusted Gross Income (AGI)

For detailed product information, please contact your nearest branch.