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.