Bank Statement Loans

Business Owners Now Have An Opportunity To Get A Home Loan Regardless Of their Write-Offs

  • No Tax Returns Required
  • 600 Minimum Credit Score
  • Up to 90% LTV (No MI) allowed on Personal and Business
  • Loans to $3 Million (Minimum $150,000)
  • Interest Only Available*
  • 5/1 ARM, 7/1 ARM or 30-year fixed available
  • Owner-Occcupied, 2nd homes, investment properties allowed
  • Non-warrantable condos considered
  • Gift funds allowed
  • SFRs, town homes, condos, 2-4 units
  • DTI above 40/50%
  • Purchase or Refinance (No Home Equity Loans)
  • No pre-payment penalty if qualified for our platinum program. If not qualified for Platinum, pre-payment only on investment properties & 2nd homes
  • Cash-Out Refinance allowed
  • 2 Years Seasoning for foreclosure/deed In lieu. Short sale - no seasoning if paid as agreed through sale date
  • Ch. 7 - two years from discharge. Ch. 13 - 2 years from filing date if paid as agreed & discharged prior to application
  • Personal Bank Statement qualified based on 12 month average monthly deposits**
  • Business Bank Statement qualified based on 24 month average monthly deposits**

If you are ready to apply for a Bank Statement loan Today, or you simply have some questions you would like to ask, we are standing by to help you. You can call me today at 760-297-3087 or email me at Or click the link below and apply on line. 


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