Bank Statement Loans (Non QM)

Self Employed Borrowers - Use your personal or business bank statements to qualify.

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Bank Statement Loans

We don't stop at great low rates, our extensive loan programs ensure that home buyers who have unique financing needs have access to unique mortgage solutions that meet their specific needs.


A non-QM solution, is  a great option for self-Employed borrowers requiring the use of bank statements and/or asset amortization to qualify.

Highlights of Non-QM (Bank Statement) Loans

Benefits:

Available for loan amounts up to $3M

12 or 24- month bank statement options

No tax returns or tax transcripts required

$500,000 maximum cash in hand for primary residences and second homes cash in hand

Only 2-4 years seasoning for serious derogatory credit events

30-year fixed rate

30-year fixed rate interest only

10-year interest only period

5/6, 7/6, and 10/6 adjustable-rate mortgage options

Qualifications

Some of the qualifications of non-QM loans are:

660 minimum credit score

90% loan-to-value (LTV) for primary residence

80% loan-to-value (LTV) for primary residence

50% maximum debt-to-income ratio (DTI)

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Non-QM-page

  • "Definitely would recommend him"

    I met Louis through my realtor and he was excellent from A to Z. Even after the sale Louis is still helping me with anything I need(ed) help with. He is a straight shooter and a stand up guy. He will not beat around the bush with you and I mean that in a good way. He’s not afraid to get you the best deal even if he’s got to shake a few heads! Definitely would recommend him to anyone who is in the market!


    - Steven, Wesley Chapel, FL

    Steven | Wesley Chapel, FL