Non-QM Mortgage Broker Service
We determine your qualifying income down to the dollar before you go through the full application process, credit check, and preliminary documentation. This ensures the numbers align upfront, saving you time and effort.
Bank Statement Service
Once your Loan Officer reviews your bank statements, they may have questions about deposits, income sources, or transfers to clarify how you manage your business finances. This helps anticipate any concerns from the lender representative (Wholesale Account Executive) before submitting the file to underwriting.
To ensure a smooth approval process, the lender representative will present your case to the underwriter, along with lender-specific criteria, an income worksheet, and other required documentation.
Most businesses have more than one business bank account that receive income deposits and one or two personal accounts.
This service is particularly ideal for self-employed people that maintain multiple bank accounts, business and personal for different reasons. Especially when the borrower owns multiple companies. Rentals.., e-business, etc.
We can (broker service) analyze (some lenders 1, 2, 3, 6, 12, and 24 months with personal account bank statements so we have the income figured out and signed off to the dollar to make sure the numbers fit before jumping through all the hoops of a full application, credit report, etc.
We pre-underwrite your bank statements for you before the Underwriter sees them to ensure we get the right Conditional Loan Approval (CLA).
Submit pre-underwritten straight to underwriting along with standard documentation for Initial Submission
If you have Multiple Streams of Income and you process payment, funds/revenue (for whatever reason) differently depending on method of payment.
Available in the Following States:
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Nevada, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, and Wyoming.