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Every borrower is unique and often requires alternate methods of qualification. Pacific Trust Mortgage offers alternate verification through:

  • 1, 12 or 24 Month Bank Statement Program. This product is perfect for self-employed borrowers as an alternative to traditional tax return verification.
  • Asset Depletion Program. This program will allow borrowers to receive qualifying income based on their assets.   No employment or other income source is needed.
  • Investor Program. Use income generated from the subject property rents to qualify.  No other income sources needed.
  • Assets in Full Program – Have a large enough asset base to pay for the property in cash? Keep your liquidity and use our Asset in Full  program to qualify.
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