Bank Statement Mortgages


Qualify with Only 12 Months

Personal or Business Account Statements 

Or 1 Year 1099 Statement




No tax Returns Required

Credit scores Starting at 640

Up to 90% Loan To Value Determined by Credit Scores

Only 12 Months Bank Statements (Personal or Business)

Loans up to $5 million

Owner-Occupied, Second Homes and Investment Properties

Loans for Purchase, Refinance and Cash-Out

30 Year Fixed or Interest Only Mortgages

You Must Be Self Employed for at Least 2 Years

How We Determine Your Monthly Income

We use 12-24 months of Total Deposits (no refunds counted) to your Bank Checking Account - Only one account will be used.  That total is divided by 12 or 24 to determine the qualifying monthly average. 

For Personal Accounts use 100% of the qualifying deposits - - no deductions for expense ratio.

For Business Accounts use up to 70% of the deposits depending on type of Business.  The remaining is Considered your Income for Qualifying. 

For 1099 Income Use Total 1099 Income plus YTD Income less business expense ratio.

How Much Can I Be Approved For?

You will be qualified for up to 50% total debt to your income.  We count the new mortgage payment, insurance and taxes and all minimum credit payments for credit cards, car loans, student loans etc.

You Will Need to Have at Least 6 Months of Reserves

How You Can Get Pre-Approved?

Call or Text Today if you have Any Questions (772) 321-7377

Click Apply Now and fill out the Complete Application - It's Fast and Easy. 

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