Are you a successful entrepreneur that has been turned down for a mortgage because you do not fit the profile of a "big box" commercial bank? We can help!

 

We offer a number of bank statement and 1099 mortgage loan programs where we calculate your actual income before your deductions to the IRS. Sound appealing? Give us a call and we can take you through the process.

 

We love working with independent business owners and understand their needs primarily because we are independently employed just like you are.

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• Loan amounts up to $3M

• Use 12 or 24 month bank statements, 1099's or asset depletion to qualify

• No tax transcripts or tax returns required

• No CPA letter 

• DTI up to 50%, 620 min. FICO

• 4+ years major derogatory credit

• $1.25M cash out at 80% LTV, $1M cash in hand

• Up to 15 financed properties

• Fixed 30; ARM 5/1, 7/1, 10/1 – all with optional Interest Only

• 90% LTV Purchase/Rate & Term – No MI (85% LTV Condos)

 

We understand the unique needs self- employed individuals have when it comes to financing a home.

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This program allows self-employed individuals to use 12 or 24 months’ personal and/or business bank statements, 1099 or asset based income, a self prepared P&L, to support their income in qualifying for a mortgage.

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First time homebuyers and seasoned homeowners alike are eligible to finance or refinance a new home, second home, or investment property with this program.