BANK STATEMENT MORTGAGES

Bank Statement Loans are often the Perfect Mortgage Solution for Self-Employed Home Buyers.

We Qualify You With 12 Months of Bank Deposits. It's that Easy!

Home1st Lending’s Bank Statement product is a loan option for eligible self-employed borrowers to purchase or refinance a home.  This product only requires the use of personal or business bank statements, or 1099s, to calculate income without requiring tax returns.

Home1st Lending is Florida's #1 Mortgage Lender and We've Closed Thousands of Bank Statement, Conventional and Government Mortgages.  We offer the Lowest Rates and Costs - Compare and Save. 

Call Now if you have any Questions or Need More Information on this or any Mortgage you are Looking for.

  So Let's Get Started and Be Approved Today                 FILL OUT THIS SHORT INFORMATION FORM.  WE WILL CONTACT YOU TODAY WITH YOUR APPROVAL AMOUNT AND RATES. 

WE DO NOT REQUIRE YOUR SOCIAL SECURITY NUMBER ON INFORMATION FORMS!

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LOWEST COSTS AND RATES

Call or Text now if you want to speak to someone to discuss your loan.

(772) 321-7377 

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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