12 Month Bank Statement Program

Loan Features

  • No tax returns required
  • Qualified based on Personal or business statements for the most recent 12 months
  • Loan amount up to $3 million
  • 10% Down Purchase with no MI
  • DTI up to 55%
  • Owner occupied, 2nd home, Investment Property
  • Interest Only Loan Options
  • 30-year fixed option available
  • Non-Perfect Credit OK
  • Gift Funds for Down Payment
  • W2 co-borrower ok, income and employment traditionally verified
  • Retirement income is usable with verification (1099, award letter, etc)

Requirements:

  • 2 years of self-employment verified through CPA or business license
  • Low number of NSF or O/Ds
  • 12 month of mortgage or rental history
  • 3 month reserves

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