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Loan Program

Bank Statement Program

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Is a Bank statement loan right for you?

Perfect for self-employed borrowers who make good money but have heavy write-offs on their tax returns. Self-employed individuals take on extra risk by owning/operating a business and therefore the IRS rewards them with more advantageous tax write-offs. With this loan you can have the best of both worlds, keep your tax liability low and be able to purchase your dream home.

Mortgage Loan
Mortgage Home Loan

Benefits of a Bank Statement loan

  • Traditional income documents are NOT needed. Only use banks statements to document income to qualify.
  • Less paperwork and less hassle having to explain your complexed income structure to the underwriter.
  • 30-year fixed rate terms available, with the flexibility of an interest only payment or fully amortized (P&I) payment. You pick!

Bank Statement loan eligibility requirements

  • 600 min FICO score
  • 10% down payment
  • Must be self-employed.
  • Loan amounts up to $4 million (with min 720 FICO & 30% down payment)
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Want to see ourĀ actual live rates right now?

We don’t hide our rates because it’s so rare we ever get beat! Once you’re ready to get started, go ahead and apply now or get a pre-qualification letter.

Free PreQualification Letter

(You’ll need this to make offers on homes!)

  1. Makes your offer to buy a home stronger
  2. Let home sellers know you’re serious
  3. Helps you know your affordable price range
Get PreQualification Letter

No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best deal possible!

Conventional

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2-1 Buydown

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Bank Statement

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DSCR

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Asset Depletion

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Renovation

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USDA

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