YOUR SELF-EMPLOYED BORROWER SOLUTION

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  VIP Bank Statement

• 90% - $1,000,000 700 FICO
• 85% - $1,500,000 700 FICO
• 80% - $2,000,000 680 FICO
• 70% - $3,000,000 720 FICO
• Ask about FICOs down to 620
• 12 or 24 months bank statements
• NO CPA letter/P&L statements required
• 2 yrs self employment
• At least 25% ownership
• Standard 50% expense factor
• Max DTI 50%
• 2nd homes & non owners too
• 1 appraisal to $2,000,000
• Gift funds OK
• Cash out = reserves
• Add asset qualifier for more income
• Co-borrowers wage or fixed income - OK​

  MVP Bank Statement

• 85% - $1,500,000 700 FICO
• 80% - $2,000,000 680 FICO
• 75% - $3,000,000 720 FICO
• 70% - $4,000,000 720 FICO
• Ask about FICOs down to 600
• 12 or 24 months bank statements
• 2 yrs self employment
• At least 25% ownership
• Standard 50% expense factor
• Options to reduce expense factor
• Max DTI 50%
• 2nd home and non owners too!
• Gift funds OK
• Cashout = reserves
• 1 appraisal up to $2,000,000
• Coborrower wage/fixed income OK​

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Bank Statement Loans can provide an ideal solution for self-employed individuals, freelancers, entrepreneurs, and other borrowers who may not have traditional income documentation readily available.

What are the benefits of partnering with us and offering Bank Statement Loans to your borrowers?

1. Expanded Borrower Pool: By incorporating Bank Statement Loans into your lending options, you open the door to a broader range of potential borrowers. Many self-employed individuals and entrepreneurs face difficulties obtaining mortgages due to non-traditional income streams or fluctuating earnings. With Bank Statement Loans, you can cater to this underserved market segment and expand your client base.

2. Streamlined Process: Traditional mortgages often require extensive documentation and proof of income, which can be time-consuming and challenging for certain borrowers. Bank Statement Loans simplify the process by relying on bank statements to verify cash flow and income. This streamlined approach reduces paperwork, accelerates loan processing, and enhances overall customer experience.

3. Flexibility in Income Verification: Self-employed borrowers often face hurdles when trying to provide consistent income documentation required by traditional loans. Bank Statement Loans eliminate the need for tax returns, W-2 forms, or pay stubs. Instead, borrowers can use their bank statements, which showcase their actual cash flow and business revenue, providing a more accurate representation of their financial situation.

4. Competitive Advantage: By offering Bank Statement Loans, you differentiate yourself from other mortgage brokers and lenders who may not provide this alternative financing option. This unique offering positions you as a go-to resource for self-employed individuals and entrepreneurs, establishing your reputation as a trusted expert in the mortgage industry.

​Contact us today to learn more about how Bank Statement Loans can elevate your lending capabilities and help grow your business.

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