Bank Statement Home Loan Qualifier
Qualify for a home loan using bank statements rather than W2s or Tax Returns. Designed for Self Employed borrowers.
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No W2s or Tax Returns Needed!
We offer bank statement home loans to self employed borrowers who may find if difficult qualifying using W2 and tax returns due to write-offs or fluctuations in pay.
With Bank Statement Loans, borrowers are qualified based upon their ability to repay using a 12 & 24 month average of deposits. And, depending on the program, personal or business bank statements may be used.
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Popular Low & Zero Down Programs
HomeReady – Fannie Mae program. 3% Down required. Gift funds may be used to help cover down payment & closing costs.
Home Possible Advantage – Freddie Mac program. 3% Down required. Gift funds may be used to help cover down payment & closing costs.
VA Loans – Zero down financing solution available for eligible veterans and active duty military personnel.
FHA Loans – 3.5% down program with less restrictive credit requirements.
FHA 203K – Low down payment solution which borrowers may also use to finance the costs of eligible repairs and improvements.
USDA Loans – Zero down solution for lower and lower-middle income borrowers in USDA eligible areas.
HomeOne – Freddie Mac program for first time home buyers. 3% down required. Flexible funding options to help cover down payment and closing costs. No geographic or income restrictions.