12 Month Bank Statements
12 Month Bank Statements
12 Month Bank Statements
Instead of Tax Returns to determine income, we use the 12 month average of your deposits on your bank statement minus a factor for business expenses.
24 Month Bank Statements
12 Month Bank Statements
12 Month Bank Statements
A 24 month average of your deposits minus a factor for business expenses. This usually gives you better rates since we can show you have consistency in your income over the last 2 years.
Multiple Repayment Terms
12 Month Bank Statements
Multiple Repayment Terms
Loan Programs include 5 Yr Adjustable Rate, Interest Only loans or 30 year fixed. You can choose what works best for your situation.
Before You Start Looking for a Home
Before you go out and start looking at homes, it's best to get your pre-approval done first. We will have you complete an online or in person application and provide the needed documentation such as your bank statements and other necessary documents to process your mortgage. Once you approved you wil be ready to put in offers with the confidence that you can close quickly and smoothly.
Our Typical Client
- Business owners
- Freelance Employees
- Consultants
- Contract Workers
- Independent Contractors
- Sole Proprietors
- Retirees
Parameters
- Minimum FICO 620
- Owner Occupied
- 5 Year Adjustable or 30 Year Fixed
- Up to 55% Debt to Income
- Loan Amounts of up to $2 million
- Other loan requirements depend on program chosen