A bank statement income loan is a type of mortgage loan that allows borrowers to qualify for a loan based on their bank statements instead of traditional income documentation, such as W-2s and tax returns. This can be a helpful option for self-employed borrowers, gig workers, and others whose income may not be easily verifiable through traditional means.
Bank Statement Income
Available under Expanded Prime and Non Prime programs
Personal or Business: 12 or 24 months
1099: 12 or 24 months
90% Purchase and R/T Refi
Cash out options
50% Fixed Expense Ratio applied to Business accounts
100% of Personal deposits used w/ 2 months of corresponding business account
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