Loan programs for first time home buyers, self-employed business owners, second homes, multi units and investors.
We offer loan programs with zero down payment and no closing costs for FHA and conventional.
Minimum Fico score for FHA 640 AND FOR conventional 700.
If fico is below 640, We offer a 3.5% down payment for FHA loans and minimum fico of 580 and 10% down payment if fico is as low as 500.
Loan program using for your profit and loss (P&L)
Our Bank Statement Loan Program is an excellent tool designed to cater to self-employed borrowers who may struggle to qualify for traditional mortgage loans due to their unique income streams. These loans rely on bank statements, rather than tax returns or W-2s, to verify income–providing a more accurate reflection of your client's true earning potential.
Flexible Income Verification: We understand that self-employed borrowers often have fluctuating income. Our program uses 12 or 24 months of business or personal bank statements to verify income, making the application process more comfortable and streamlined for your clients.
Broad Ownership Acceptance: We accommodate borrowers who own as little as 50% of the business for business bank statements and 25% for personal bank statements.
High Loan Values and Competitive LTV: Our Bank Statement Loan Program offers loans from $150,000 up to an impressive $3,000,000, with up to 90% Loan to Value (LTV), ensuring your clients have the financial support they need.
Diverse Property Types: We support purchase, cash-out, and rate-term refinance on owner-occupied, second homes, and non-owner-occupied properties.
We provide loans for residential and commercial properties. Down payment varies, being the lowest 25%
Residential 1-4 units and commercial 5 units plus.
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