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If you’re self‑employed or have variable income, 3‑month bank statement loans in California can make qualifying for your next home loan much easier. Instead of using tax returns or 1-year‑long averages, lenders review just your most recent three months of
Our bank statement loan service provides flexible solutions. By analyzing gross monthly deposits and subtracting an expense ratio or factor percentage, our lenders pre-underwrite and calculate your quantifiable income. This approach ensures a tailored evaluation for debt-to-income (DTI) ratios and
This 12-Month Bank Statement Jumbo Loan is tailored for self-employed borrowers and those with alternative
Our bank statement loan service provides flexible solutions. By analyzing gross monthly deposits and subtracting
12-Month Bank Statement Program expands its reach with low-doc qualifications for self-employed borrowers including sole
DSCR loans remain a top choice for real estate investors. We offer flexible guidelines using
Non-Qualified Mortgages and Non-QM Mortgage Brokers In an ever-evolving Non-Qualified mortgage market, We continue to
The Non-Qualified Mortgage Jumbo (55% DTI) program is designed for borrowers who may not have
Non-QM Mortgage Broker Loan Purpose: Purchase; Rate/Term and Cash Out Refinance; Construction; Commercial; Acquisition For
Asset depletion mortgage: Use liquid assets (cash, investments, retirement) as qualifying “income.” No W-2s or
Non-Prime Super Jumbo Loans up to $5,000,000 for self-employed borrowers. Use 12 or 24 months
DSCR First Time Investor Loan OK Our DSCR cash flow loan offers borrowers an interest-only
Stated Income Jumbo Construction Loan up to $10 Million for home builders. Short-term financing for
Super Jumbo Non-Prime Alt Doc – $10,000,000 Documentation: Bank Statements from 600+ FICO to 90%
Our Stated Income / Verified Assets Mortgage Program offers flexible financing for self-employed borrowers with
Super Jumbo Alt-Doc loans with a 620 credit score: get up to $2.5M for purchases,
One Month Bank Statement Loan Program for self-employed borrowers. A flexible solution allowing qualification with
Super Jumbo Hard Money Loan Program 1st, 2nd, and 3rd Stand-Alone Mortgage | Forms 4506-T
The Stated Income Owner-Occupied Jumbo program (updated July 31, 2025) provides borrowers who prefer not
Second Mortgage Bank Statement Jumbo Loan. Flexible CLTV options with loan amounts starting at $250,000,
Purchase or Cash Out Refinance options available with a minimum 620 credit score. The Real
If you’re self‑employed or have variable income, 3‑month bank statement loans in California can make
Non-QM lender in California: self-employed loans with alt docs — bank statements, 1099s, asset depletion.
Non-Prime Bank Statement Options Self-Employed Borrowers: Portfolio Direct Lender is a direct lender with their
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