Home Loan Without Tax Returns
Self-Employed borrowers often lack the ability to utilize their tax returns to qualify for suitable mortgage financing.. Our Bank Statement Program provides eligible self-employed borrowers the flexibility to qualify for loan amounts up to $5 million using personal or business bank statements instead of tax returns.
Alt Doc Guideline Highlights:
Income Sources: Beyond self-employment allowed
* Bank Statements: 12 or 24 months (business, personal, or both)
* 1099 + YTD Earnings: Accepted
Program Highlights
* Maximum Loan Amount: $5,000,000
* Minimum Credit Score: 640
* Property Types: Primary, second homes, and investment properties
* Condos: No LTV restrictions; non-warrantable condos allowed
* LTV: Up to 90% (exceptions considered)
* Gift of Equity: Permitted for primary homes
* Interest-Only Options: Available
* Real Estate Investor Loan Limits: Maximum of 10 loans or $10 million
Available in the Following States:
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maine, Massachusetts, Michigan, Missouri, Nevada, New Hampshire, New Jersey, North Carolina, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, and Washington.
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