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Bank Statement Program Business Descriptions Information

One thing that you should know about qualifying or getting pre-qualified for a bank statement loan is the Non-QM lender will always require a Business Description upon underwriter submission or upon pre-underwrite submission. Some lenders call it a Business Narrative or Business Summary. Below are some of the typical criteria for Non-QM lender Business Narrative Letters.

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Description of Business/Business Profile 2025

  • Owner Name(s):
  • Business Address(s):
  • Business Property Type (i.e., office, home-based, warehouse, etc.):
  • How many people do you have employed?
    • Full Time:
    • Part Time:
    • Contractors:
  • Percentage of Company Ownership:
  • Date Organized/years in business:

Non-Qualified MortgagesBusiness Product(s)/ Service(s)

  • Do you offer a service?
    • If yes, please describe:
  • Do you manufacture a product?
    • If yes, please describe:
  • Do you buy and then resell a product? Yes/No. If yes, please describe:

Non-QM Mortgages - Flexible Income VerificationIncome Documentation: Bank Statements

  • Do you utilize more than one bank account for business income?
  • Describe your business and provide details of how income is generated.
  • Do you offer a service?
    • If yes, please describe:
  • Do you manufacture a product?
    • If yes, please describe:
  • Do you buy and then resell a product? Yes/No. If yes, please describe:

 

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Alternative Income Documentation

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