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1 One Year Texas Self Employed Mortgage Lenders

1 One Year Texas Self Employed Mortgage Lenders

  • Alt Doc – 12 or 24 months business or personal bank stmts (Self Empl only), Full Doc income with lease agreements, ok (rental income qualified by lease agreements) Full Doc – 2 year (W-2 & paystubs, 1040s, K1’s)
  • Full Doc – 1 year (W-2 and Current YTD paystub, K1’s)
  • Full Doc – 1 year (One year Tax Return and YTD P&L Self Empl)
  • Asset Xpress – 100% of amount needed to amortize loan plus monthly debts for 60 months, max 80% LTV to $1.0M; Max 75% LTV to $1.5M
  • Asset Assist – Assets divided by 120 is added to income. $1.5M max loan amount to 75% LTV, Max 80% LTV to $1M
  • ALT Doc—3-month Texas Bank Statement (24-month CPA compiled and signed P&L statement supported by 3-months bank stmts)
  • ALT Doc—Profit and Loss (P&L) only. 24-month P&L compiled and signed by CPA. CPA must also attest to filing tax returns for 1 year self employed mortgage applicants  for 24-months.
  • ALT Doc—VOE only

LENDING CRITERIA- TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS: Loan programs for Owner Occ and 2nd homes only

MINIMUM CREDIT SCORE FOR – TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS

  •  600+ QUALIFICATIONS- 600+ FICO Mtg 0x60 (12 Months) No BK 18 Months/FC 2 Years SS/DIL Settled Purchase 75% LTV RT Refi 80% LTV Cash-out Refi 80% LTV 2nd Home 75% LTV
  • 640+QUALIFICATIONS- 640+ FICO Mtg 1×30 (12 months) No BK/FC 2 Years No SS/DIL 1 Year Purchase 75% LTV RT Refi 85% LTV Cash-out Refi 85% LTV (680 FICO, otherwise 80%) 2nd Home 75% LTV
  •  680+QUALIFICATIONS- 680+ FICO Mtg 0x30 (12 Months) No BK/FC 3 Years No SS/DIL 2 Years Purch. 90% LTV – Full Doc & 12 or 24 months BK statements RT Refi 80% LTV Cash-out Refi 80% LTV 2nd Home 80% LTV
  • 720+QUALIFICATIONS- 720+ FICO Mtg 0x30 (12 Months) No BK/FC 3 Years No SS/DIL 2 Years Purch. 90% LTV – Full Doc & 12 or 24 months BK statements RT Refi 90% LTV Cash-out Refi 85% LTV 2nd Home 80% LTV

1 YEAR SELF EMPLOYED LOAN AMOUNTS – TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS: ● Minimum loan amount $100,000 RESERVES: ● 6 months required above 75% LTV ● 6 months required on 12 Mo Cash Flow Product ● See loans > $1M for additional info

GENERAL TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS LOAN TERMS:

  • 30 Year Fixed  and 5 year ARM, 7 year ARM options
  • No Pre-payment penalty
  • Floor = Start rate
  • Caps are 2/2/5 (2% initial change cap / 2% annual cap / 5% lifetime cap)
  • Index – 1 year libor
  • All loans require impound for tax and insurance PROPERTY TYPES:
  • SFRs, condos, townhouses, 2-4 units (no rural properties < $200,000)
  • Property must show “pride of ownership” DEBT TO INCOME RATIO:
  • 50% max DTI (up to 55% case by case)
  • See guidelines for residual income calculations * Requires 0x30 mortgage payment history last 12 months. Full Doc Only
  • Minimum interest rate: 4.250% ARM 4.625% fixed

DOWN PAYMENT REQUIREMENTS FOR TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS: 

  • All down payment funds must be verified prior to drawing loan documents
  • Secondary Financing 80% Max LTV/90% Max CLTV

1 YEAR SELF EMPLOYED DEBTS INCLUDING TAX LIENS, JUDGMENT REQUIREMENTS:

  • All tax liens and judgments must be paid at closing

COLLECTION ACCOUNTS FOR TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS:

  • Collections and charge offs need to be paid off except: – Medical Collections – Collection accounts older than 2 years FIRST-TIME HOME BUYER:
  • A , A- and B credit grades. B- grade case by case

NON-PERMANENT RESIDENT ALIEN TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS: :

  • 80% max LTV Purchase and Rate and Term Refi 75% max LTV on Cash Out
  • A, A- and B credit grades only
  • No FICO is allowed (when no FICO, price at Aand add 0.500% to rate)
  • Visa classifications allowed (E-1 – E-3/G-1 – G-5/H-1/L-1/NATO/O-1/R1/TN (NAFTA)

TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS FEES 

  • Underwriting Fee $1,495
  • Flood Cert Fee $12
  • Attorney Doc Review $150
  • Subject to hange without notice.

AGE OF DOCUMENTS FOR TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS

  • Credit Report/Credit Documentation: 90 days old at the time of closing
  • Income and Asset Documentation: Dated within 90 days of closing
  • Title Report/Title Commitment: Dated no later than 60 days prior to closing

APPRAISAL REQUIREMENTS BY TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS

Full Interior / Exterior appraisal required. Fannie Mae/Freddie Mac Forms 1004/70, 1025/72, 1073/465 or 2090 must be used. All Fannie Guidelines apply to

appraisal process and value determination, in addition an Appraisal Management Company must be utilized for appraiser selection.

The Appraisal should be dated no more than 120 days prior to the Note Date. After a 120 day period, a new appraisal is required. Re-certification of value is

not acceptable. Minimum Square Footage 800 Sq. Feet

Not eligible: Properties for which the appraisal indicates condition ratings of C5 or C6 or a quality rating of Q6, each as determined under the Uniform Appraisal

Dataset (UAD) guidelines. TEXAS 1 ONE YEAR SELF EMPLOYED mortgage lenders will consider if issue has been corrected prior to loan funding with proper documentation.

A 5% reduction in LTV/CLTV will be required for all properties identified to be in a declining market as designated by the appraiser.

APPRAISAL REVIEW PRODUCTS: An enhanced desk review product, (such as an ARR from ProTeck or CDA from Clear Capital), from a TEXAS 1 ONE YEAR SELF EMPLOYED mortgage lenders Approved AMC is required on all transactions. In lieu of an enhanced desk review product, a field review or second appraisal from a TEXAS 1 ONE YEAR SELF EMPLOYED mortgage lenders’s AMC is acceptable. If the Appraisal Review Product value is more than 10% below the appraised value a second appraisal is required. When a second appraisal is provided, the transactions “Appraised Value” will be the lower of the two appraisals. A second appraisal is required on loan amounts > $1,500,000

ASSETS – CASH TO CLOSE – TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS
• Full Asset Documentation is required for both funds to close and reserves. For most asset types, this would include all pages of the most recent two months statements or the most recent quarterly statement. All Assets from the 1 year self employed mortgage applicants (s) must be disclosed and verified by the lender.

  • No business accounts may be used to meet down payment and/or reserve requirements unless the 1 year self employed mortgage applicants (s) are 100% owners of the business and requires:

o A letter from the businesses accountant OR

o An underwriter cash flow analysis of the business balance sheet to confirm that the withdrawal will not negatively impact the business.

  • Stocks/Bonds/Mutual Funds – 80% may be used for reserves.
  • Vested Retirement Accounts – 70% may be considered for reserves (certain eligible plans can use 70% if 1 year self employed mortgage applicants  > 59 1⁄2 – i.e. 401k)
  • Assets being used for dividend and interest income may not be used to meet reserve requirements
  • If needed to close, verification that funds have been liquidated (if applicable) is required.
  • Gift of Equity is not allowed.
  • Builder profits are not allowed.
  • No employer assistance assets are allowed.
  • Maximum Interested Party Contributions permitted up to 3% for LTV >=80, 6% for LTV<80

TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS ELIGIBLE MORTGAGE APPLICANTS INCLUDE:

  • Eligible:
  • US Citizen
  • Permanent Resident Aliens
  • Non-Permanent Resident Aliens
  • First Time Home Buyers
  • Non-Occupant Co-TEXAS 1 ONE YEAR SELF EMPLOYED mortgage applicants
  • Limited partnerships, general partnerships, corporations
  • o Personal guarantor required
  • In-Eligible:
  • Foreign Nationals
  • Irrevocable or Blind Trusts
  • Inter-Vivos Revocable Trust

OVERALL CREDIT REQUIREMENTS FOR TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS

  • Each 1 year self employed mortgage applicants ’s ‘Credit Score’ is the middle of three or the lesser of two.
  • Representative Credit Score – Texas Bank Statement loans, the lowest Credit Score among 1 year self employed mortgage applicants s.
  • Each 1 year self employed mortgage applicants ’s credit profile must include a minimum of 2 trade lines (open or closed) within the last 24 months that show a 12 month history, or a combined credit profile between 1 year self employed mortgage applicants  and co-1 year self employed mortgage applicants  with a minimum of 3 tradelines.
    o Tradeline activity is not required. Eligible tradelines cannot have any derogatory history in previous 24 months.
  • Current housing not reporting on credit can be considered an open trade if supported by bank records (cancelled checks/debits).
    • 1 year self employed mortgage applicants (s) not using income to qualify are not required to meet the minimum tradeline requirements listed above.
  • TEXAS 1 ONE YEAR SELF EMPLOYED mortgage applicants currently enrolled in credit counseling or debt management plans are not permitted. • All derogatory accounts require a full explanation.
  • All Judgments or liens affecting title must be paid.
  • Non-title charge- offs and collections within 3 years and exceeding $3,000 (either individually or in aggregate) must be paid.
  • Medical collections are not required to be paid.
  • All past due accounts must be brought current prior to closing.
  • No authorized user accounts will be used to satisfy minimum tradeline.
  • Medical derogatory accounts, collections, and charge-offs permitted with letter of explanation.
  • Disputed accounts require a LOE per Fannie Mae. An updated credit report not required.
  • IRS tax payment plans are permitted if current and do not carry a lien on any property.Minimum FICO 700
  • Housing 0x30x12
  • BK (Chap 13 Discharge) 60 Mo
  • BK (Other) 60 Mo
  • Foreclosure 60 Mo
  • Short Sale / DIL 60Mo

TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE FOR FIRST TIME HOME BUYER REQUIREMENTS

  • First Time Homebuyers (“FTHB”) are individuals that have not owned a home or had a residential mortgage in the last 3 years.
  • However, only 1 year self employed mortgage applicants with no prior mortgage history or homeownership ever are restricted to the following:

Recent Event not permitted

I/Os not permitted

12 month 0X30 housing history required

Primary Residence Only

Minimum of 6 months PITI reserves required.

DOCUMENT REQUIREMENTS FOR  TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS 

(1) 12 or 24 months Personal or 24 months Business Bank statements

TEXAS 1 ONE YEAR SELF EMPLOYED mortgage applicants who own more than 3 businesses must use personal bank statements option

Bank statements must be most recent available at time of application and must be consecutive

(2) Profit & Loss Statement

If submitting personal bank statements, a P&L prepared by the 1 year self employed mortgage applicants  covering no less than 12 or 24 months is required

The P&L must be signed by the 1 year self employed mortgage applicants

If submitting business bank statements, a P&L prepared by the 1 year self employed mortgage applicants  covering no less than 24 months is required

1 year self employed mortgage applicants  is required to provide separate P&Ls for each business being used in qualifying.

The P&L should generally cover the same calendar months as the bank statements provided.

(3) Validation of a minimum of 2 years existence of the business from one of the following: Business License, Letter from Tax Preparer, Secretary of State Filing or equivalent

Self Employed/Wage Earner Combination – Joint 1 year self employed mortgage applicants with 1 wage earner and 1 self-employed business owner can verify income separately, with the self-

employed 1 year self employed mortgage applicants  utilizing bank statements and the wage earner providing pay stubs/W-2s. The wage earner 4506T should include W-2 transcripts only.

PROFIT & LOSS ANALYSIS FOR TEXAS 1 ONE YEAR SELF EMPLOYED MORTGAGE LENDERS 

  • Net Income from the P&L will be used as Qualifying Income for both personal and business bank statements.
  • The P&L used for qualifying must be signed by the 1 year self employed mortgage applicants .
  • Declining Income requires an LOE
  • Any amounts on the P&L representing salary/wages paid to the 1 year self employed mortgage applicants /business owner can be added back and considered in the net income analysis.
  • Expense line items that can be added back to the business net income include depreciation, depletion, amortization, casualty losses, and other losses or

expenses that are not consistent and recurring.

  • TEXAS 1 ONE YEAR SELF EMPLOYED mortgage applicants utilizing business bank statements that own > 50% but < 100% of a business will be qualified at the P&L/AES net income multiplied by their ownership percentage.
  • The P&L expense ratio, Gross Income minus Net Income, divided by Gross Income, should be reasonable for the profession.

Example: A home-based sole practitioner therapist/consultant can be expected to have a low expense ratio, while a retail business that has a full staff of  employees and relies heavily on inventory to generate income will have a high expense ratio.

  • If the file does not contain a CPA prepared P&L, steps must be taken by the underwriter to evaluate the reasonableness of the expenses listed by the 1 year self employed mortgage applicants .
  • This requires the 1 year self employed mortgage applicants  to provide a business narrative which includes detail related to the size/scope and operating profile of the business, including the

following: o Description of Business/Business Profile o Location & Associated Rent o Number of Employees / Contractors o Estimated Cost of Goods Sold (Does

business involve sale of goods or just services?) o Materials/Trucks/Equipment o Commercial or Retail client base? o Business Analysis

  • Expenses listed on a 1 year self employed mortgage applicants  prepared P&L should generally relate to the information provided below.

Joint Accounts – A joint personal account with a non-borrowing spouse or domestic partner can be used for qualifying as follows: o If not contributing

income/deposits, it must be validated by a 1 year self employed mortgage applicants  affidavit o If contributing income/deposits, source must be clearly identified (direct deposit, SSI, trust

income) and amounts must be subtracted from the analysis o Relationship letter must be present in file

Retirement, Government Annuity, and Pension Income – TEXAS 1 ONE YEAR SELF EMPLOYED mortgage lenders may recognize an ancillary income stream from employment-related assets as eligible for

income qualification. 1 year self employed mortgage applicants  must evidence a 12 month history of documented draws or interest/dividend income. If, based on that history, the income will

continue for at least three years, the income may be used for loan qualification. One of the following types of income documentation is required: o Copy of

award letter or letters from the organizations providing the income o Most recent personal income tax return with all schedules o Most recent W2 or 1099 o

Most recent 2 months bank statements showing deposit of funds

If the income being used for qualifying represents at least 50% of the 1 year self employed mortgage applicants ’s total income, a five year continuance is required. The 1 year self employed mortgage applicants  must have

unrestricted access, and available to the 1 year self employed mortgage applicants  without penalty. Documentation of asset ownership must be in compliance with the allowable age of credit

documents.

Restricted Stock Income – TEXAS 1 ONE YEAR SELF EMPLOYED mortgage lenders will only consider restricted stock that was awarded in prior 2 years and became unrestricted (vested) in the current year. The

Vesting Schedule must indicate the income will continue for a minimum of 3 years at a similar level to the prior 2 years. Continuance is based on the vesting

schedule using a stock price based on the 52 week low for the most recent 12 months reporting at the time of closing. A 2 year average of prior income

received from RSU’s or stock option will be used. The following documentation is required: o Copy of the vesting schedule o Most recent W2 and pay stub o

Private Stock not eligible.

Component Sources of Income – A 1 year self employed mortgage applicants  who has a self-employed business and also receives income from other sources is eligible for the bank

statement program. Income sources include but are not limited to rental properties, trust & investment, alimony, etc. These income sources should be

separately documented on the 1003 and should be separately supported by bank statement deposits.

o Rental Income –

months via cancelled checks, deposits clips, or bank records ed by a vacancy/expense factor of

25%

o Trust Income – idenced by unt, distribution frequency, and duration of payments

o Alimony Income –

deposit slips, or bank records

o Note Receivable Income copy of the note confirming amount and length of payment checks, deposit slips, or bank records

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