Bank Statement Program

Repairing Your Credit


In Lieu of tax returns, K-1, or 1099's the self-employed borrower can qualify with business earning deposited into a business (24 months) or personal (12 months) bank account. These deposits will becomes the base qualifying income in lieu of traditional income documentation. Seasonal fluctuations to earnings that are normal to a given business are expected and allowed.


                                                                                            Product Highlights


  • Self Employed borrowers can qualify with gross bank deposits using 24 Months business bank statements or 12 months personal bank statements. 

  • Must be self-employed for at least 24 months for the bank statement qualifier. 1099 Contract employees OK too.

  • We can combine income from a w-2 borrower with a Self-Employed co-borrower to maximize income.

  • 660 Minimum MID FICO score required 

  • No Manufactured or Mobile Homes or Commercial Property

  • Available in 30 Year Fixed Rate, 7/1 ARM and 5/1 ARM products.

  • No Pre-Payment Penalties and No PMI for primary and 2nd homes including 90% LTV.

  • Special Product options for "lease option to purchase" transactions.




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