Qualify 12 Months Bank Statements - 12 Month Average Balance for Income Documentation

Bank statements, in this case, are used as a traditional income documentation alternative. However,1099's can be used without the 1040 or schedule C can be accepted and considered more like a full income documentation program which will produce full income documentation pricing.

90% Financing Available

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Loan Purpose / LTV:

Purchase or Rate and Term refinance 90% LTV to $450,000

Cash Out Refinance to $400,000 - 75% LTV

- $100,000 max cash out

Credit Notes:

Credit Score 660 minimum middle for all borrowers

Bankruptcy discharged - 2 years seasoning required

Foreclosure discharged - 4 Years seasoning required

Loan Modification complete (yeah, right. Lose your paperwork, did they?)- 3 Years seasoning required

Available Terms:

5, 7 and 10 year ARM's and 15 year fix

Balloon note at ARM maturity or option to roll into an equity line

Owner Occupied Only

1-4 Unit properties OK


Get pre-qualified without credit check


Refrence# - 74512