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6 Month Bank Statement Mortgage Loan

Alternative Income Documentation Self-Employed & Commission Business Professionals

This 6 Month Super Jumbo Bank Statement Non-Qualified Mortgage (non-qualified-mortgages) (Non-QM) loan program is for all residential property types and occupancy types including investment properties.

6 Months Bank Statements – 660 Minimum Mortgage Credit Score

Personal or Business account statements can be used with any qualified assets with a credit score of 660 to a maximum loan-to-value ratio (LTV) of 90%. Details below:

Purchase Loans/ Rate/ Term & Cash Out

Eligible Occupancies:

  • Owner-Occupied/ Primary Residence
  • Second Homes
  • Investment Properties – 10 Maximum REO

Eligible Property Types:

  • Single Family Residence (SFR)
  • Condominiums including non-warrantable condos
  • Planned Urban Development (PUD’s)
  • 2 – 4 Unit

Purchase and Rate/ Term Refinance:

  • 80% LTV – $1,000,000
  • 75% LTV – $3,000,00

Cash Out Refinance:

  • 75% LTV – $1,500,000
  • 70% LTV – $3,000,000

Purchase and Rate/ Term Refinance | Second Home – OK:

  • 65% LTV – 3,000,000

Cash Out Refinance | Second Home OK

  • 70% LTV – $3,000,000
  • 65% LTV – $2,500,000
  • 65% LTV – $3,500,000

Purchase and Rate/ Term

  • Investment Property
  • 70% LTV – $3,000,000

Cash Out

Additional Underwriter Notes:

  • Investment Property
  • 65% LTV – $3,000,000
  • Owner-Occupied/ Second Home
  • 70% LTV – $3,000,000
  • Owner Occupied and Second Home
  • 65% LTV – $3,000,000

6 Months Business and/or Personal Bank Statements

Mortgage Pre-Qualification Form – Credit Check Not Required ~

Available in the Following States:

Alabama, Arizona, California, Colorado, Florida, Georgia, Hawaii, Illinois, Iowa, Maine, Maryland, Massachusetts, Nevada, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, and Washington.


Alternative Income Documentation

* Self-Employed

* Commission Business Professionals

This 6 Month Super Jumbo Bank Statement Non-Qualified Mortgage (non-qualified-mortgages) (Non-QM) loan program is for all residential property types and occupancy types including investment properties.

6 Months Bank Statements – 660 Minimum Mortgage Credit Score

Lender allows for either Personal or Business account statements and can be used with any qualified assets and requires a minimum credit score of 660 and goes to a maximum loan-to-value ratio (LTV) of 90% See details below:

Eligible Transactions: Purchase/ Rate/ Term and Cash Out

Eligible Occupancies:-

  • Owner-Occupied/ Primary Residence
  • Second Homes
  • Investment Properties – 10 Maximum REO

Eligible Property Types:-

  • Single Family Residence (SFR)
  • Condominiums including non-warrantable condos
  • Planned Urban Development (PUD’s)
  • 2 – 4 Unit

Purchase and Rate/ Term Refinance:

  • 80% LTV – $1,000,000
  • 75% LTV – $3,000,00

Cash Out Refinance:

  • 75% LTV – $1,500,000
  • 70% LTV – $3,000,000

Purchase and Rate/ Term Refinance | Second Home – OK:

  • 65% LTV – 3,000,000

Cash Out Refinance | Second Home OK

  • 70% LTV – $3,000,000
  • 65% LTV – $2,500,000
  • 65% LTV – $3,500,000

Purchase and Rate/ Term Refinance

* Investment Property

  • 70% LTV – $3,000,000

Cash Out Refinance

* Investment Property

  • 65% LTV – $3,000,000

Purchase/ Rate and Term

* Owner-Occupied/ Second Home

  • 70% LTV – $3,000,000

* Owner Occupied and Second Home

  • 65% LTV – $3,000,000

6 Months Business and/or Personal Bank Statements

Mortgage Pre-Qualification Form – Credit Check Not Required ~

Available in the Following States:

Alabama, Arizona, California, Colorado, Florida, Georgia, Hawaii, Illinois, Iowa, Maine, Maryland, Massachusetts, Nevada, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, and Washington.

Alternative Income Documentation

Contact a Loan Officer

Non-Qualified Lending

Non-Qualified Lenders

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