Discover the flexibility of our Non-QM Bank Statement Loans, designed for self-employed borrowers and those with non-traditional income sources. Get your mortgage approval today!

What is a Non-QM Bank Statement Loan?

A Non-QM Bank Statement Loan is a unique mortgage solution designed to accommodate the needs of self-employed individuals and borrowers with non-traditional income sources. Instead of relying on W-2 forms or pay stubs, we assess your financial stability by examining your bank statements from the past 12-24 months. This innovative approach enables us to provide mortgage options to those who may struggle to qualify for a conventional mortgage.

Why Choose Our Bank Statement Loan Program?

Our Bank Statement Loan Program offers a range of benefits for borrowers:

  1. Flexible Income Documentation: Our loan approval process is tailored to self-employed individuals, entrepreneurs, and those with irregular income. We focus on your bank statements to determine your ability to repay the loan.

  2. Competitive Interest Rates: While Non-QM loans often come with higher interest rates, we strive to offer competitive rates to make homeownership more accessible for borrowers in unique financial situations.

  3. Customized Loan Terms: We understand that every borrower has unique needs. Our Bank Statement Loan Program offers a variety of loan terms and payment options to fit your specific requirements.

How to Apply for a Non-QM Bank Statement Loan

Applying for a Non-QM Bank Statement Loan with our mortgage company is easy:

  1. Gather Your Documentation: Collect your personal and business bank statements from the past 12-24 months. Ensure they are complete and accurate, as we'll use them to determine your eligibility and loan amount.

  2. Complete Our Online Application: Fill out our simple online application form, providing your contact information, loan requirements, and financial details.

  3. Speak with a Loan Specialist: Once we receive your application, one of our dedicated loan specialists will reach out to discuss your options and guide you through the rest of the process.

Boost Your Chances of Approval

To improve your chances of getting approved for a Non-QM Bank Statement Loan, consider the following tips:

  1. Maintain Consistent Cash Flow: Lenders will evaluate your bank statements for consistent cash flow and deposits. The more stable your income, the higher your chances of approval.

  2. Monitor Your Credit Score: A strong credit score can increase your chances of qualifying for a Non-QM Bank Statement Loan. Monitor your credit and take steps to improve your score if necessary.

  3. Prepare a Sizable Down Payment: Having a larger down payment can make you a more attractive borrower and improve your chances of approval.

Contact Us Today to Get Started

If you're a self-employed borrower or have a non-traditional income source, our Non-QM Bank Statement Loan could be the perfect solution for you. Contact our mortgage experts today to learn more about your options and start your journey towards homeownership.

Ready to explore your Non-QM Bank Statement Loan options? Apply now and let our mortgage specialists help you secure the financing you need!