Income-Based Solutions

At Harvest Financial Associates, LLC, we understand that traditional income documentation doesn’t always reflect financial strength. Our Income-Based Solutions provide flexible financing options for self-employed individuals, business owners, and borrowers with non-traditional income sources.

✔ Bank Statement Loans – Qualify using 12-24 months of business or personal bank statements.
✔ 1099 Income Loans – Ideal for independent contractors and gig workers without W-2s.
✔ Profit & Loss (P&L) Only Loans – Use 12 or 24 months of P&L statements to secure financing.
✔ HELOC Loans – Unlock home equity with a flexible Home Equity Line of Credit.
✔ Standalone 2nd Mortgages – Access cash without refinancing your primary mortgage.
✔ Non-Warrantable Condo Loans – Financing for condos that don’t meet traditional lending guidelines.

We help clients secure loans based on real financial potential—not just tax returns.