Loan purpose
- Buy or build equity through a purchase
- Restructure the loan for rate or term (rate/term refinance)
- Access equity via cash-out refinance
Programs
Bank Statement
Self-employed files rarely fit a W-2 mold. We qualify many borrowers on twelve months of personal or business bank statements—no tax returns in the traditional sense, and a Non-QM fit when deposits tell the real story.
Quick highlights
Snapshot of limits and requirements. Figures match program guidelines-your officer confirms overlays.
Loan amount
Cap at $3.5 million
LTV
LTV up to 80%
Credit score
660 minimum
Max. DTI
55% ceiling
Borrower type
Self-employed · Non-QM
Program guidelines
Loan term
- 30-year fixed-rate option
- 5/6 ARM
- 3/6 ARM
- Reserve requirement: 6 months of PITIA
Loan amount
- Loan sizes up to $3.5 million
Loan to value (LTV)
- Maximum LTV: 80%
Minimum credit score
- 660
Maximum DTI
- 55%
Property type
- Owner-occupied 1–2 unit homes
- Second homes
- Non-owner-occupied (investment) properties
Eligible property types
- Single family residence (SFR)
- PUDs
- Condos
- Townhouses
Eligible borrowers
- U.S. citizens and permanent resident aliens
- Non-permanent resident aliens
Need help choosing the right program?
Speak with our team for guidance tailored to your financing scenario.