A Flexible Home Loan Built Around How You Earn.
Full-doc, bank statement, P&L, and asset-based options for purchase, refinance, or cash-out up to $3 million.*
One program. Many ways to qualify.
However you earn, there’s likely a path to approval.
- Self-employed? Qualify with 12 or 24 months of bank statements
- Loan amounts from $150,000 up to $3 million*
- Qualify with a CPA-prepared P&L or a verification of employment
- Use full tax returns, a single year of income, or your assets
- Purchase & refinance with low-down-payment options, and cash-out is also available*
- Primary homes, second homes, and investment properties*
Loans from $150K up to $3 Million*
Buy, refinance, or take cash out
Primary, second home, or investment property
Self-employed? Qualify with bank statements or a P&L
Low-down-payment options available*
Fixed, adjustable, and interest-only options
What is the Saxton Flex Home Loan?
Flexible financing for borrowers who don’t fit the traditional mold
The Saxton Flex Home Loan is a full-featured mortgage for borrowers whose income or situation doesn’t fit neatly into conventional guidelines.
Qualify using tax returns, 12 or 24 months of bank statements, a profit-and-loss statement, a written verification of employment, or your assets, whichever best reflects how you actually earn.
Use it to purchase a home, refinance your current mortgage, or take cash out of your equity, on a primary residence, second home, or investment property, with loan amounts up to $3 million.*
Why choose the Saxton Flex Home Loan?
One program flexible enough for almost any borrower.
Self-Employed & Business Owners
Qualify with bank statements, a P&L, or a verification of employment instead of full tax returns.
Real Estate Investors
Finance investment properties, including 2–4 units, warrantable and non-warrantable condos.
Jumbo & High-Balance Buyers
Loan amounts up to $3 million for higher-priced homes and move-up purchases.
Cash-Out Refinance
Tap your equity to reinvest, consolidate, or fund your next move on eligible properties.*
Asset-Rich Borrowers
Use your assets to qualify when your income is complex, seasonal, or hard to document.
Flexible Loan Structures
Choose fixed-rate, adjustable-rate (ARM), or interest-only payment options on eligible programs.
Hear From Homeowners Like You
Frequently Asked Questions
The questions we get asked most about the Flexible Home Loan.
Loan amounts range from $150,000 to $3 million, depending on your credit, income documentation, property type, and occupancy.
Yes. In addition to tax returns, you can qualify using 12 or 24 months of bank statements, a CPA-prepared profit-and-loss statement, or your assets.
You can use it to purchase a home, refinance an existing mortgage (rate/term), or take cash out, on a primary residence, second home, or investment property.
Programs are available for credit scores starting at 660, with the most flexible terms available at higher scores.
Qualified buyers can purchase with low-down-payment options. Requirements vary by credit score, occupancy, and loan amount.*
Yes. Fixed-rate, adjustable-rate (ARM), and interest-only options are available on eligible programs.
Yes, cash-out refinancing is available. The amount you can access depends on your equity, credit profile, and property type.
Find out what you qualify for
Whether you’re buying, refinancing, or pulling cash out, there’s likely a Saxton Flex program that fits. Get a fast, no-obligation pre-qualification today.
Get Pre-Qualified- Consumer Financial Protection Bureau, buying a house: tools and resources for homebuyers
- Consumer Financial Protection Bureau, mortgages
*Loan amounts, rates, terms, and down payment requirements are subject to credit approval, income and asset verification, and program eligibility. Maximum loan amount $3,000,000. Down payment and cash-out limits vary by occupancy, credit score, and documentation type. Not all applicants will qualify. Saxton Mortgage, LLC is an Equal Housing Lender.