24 Month Bank Statement Home Loan Program.

Bank Statement Program

for Self-Employed Borowers
Credit scores starng at 560
Up to 80% LTV; up to 50% DTI
No seasoning on short sale or foreclosure
(varies by program)
Loans up to $1 million
Owner-occupied, second homes and investment properes



• Must be self-employed for 2 Years.

• Personal Bank Statements Only.

• Transfers from a business account into a personal account are acceptable.

• No tax returns or transcripts required.

• Minimum 540 mid score if no mortgage late’s last 12 months.

• Minimum 620 mid score if mortgage late’s last 12 months.

• Maximum increase in income for year two is capped at 30%. 

• Maximum decrease in income in year two is capped at 25%.

• Transfers between personal accounts should be excluded.

• Unusual deposits must be documented.

• 2nd Homes and Investment Properties Ok.

• Not available for First Time Home Buyers.

• Not available for Foreign National program.

• Must have min 3 tradelines  12+ months with activity in last 12 months or 2 tradelines 24+    

    months with activity in last 12 months.

• Please send all months consecutive and in order.

• All pages of bank statements must be sent.

    Note: Examples of additional deposits to be excluded in income

   calculation include IRS refunds and proceeds from sale of personal property.

 PERSONAL BANK STATEMENTS- 100% of the Total Gross Deposit used

(Back Out any 1-time inconsistent deposits such as sale of home, business,

IRS refunds, transfers, etc., anything Non-Income Employment Generated.)


FHA Mortgage Lenders By State: 
Florida   Texas  Georgia  Alabama  

FHA-MORTGAGE-LENDERS.COM – Specializing in FHA government mortgage solutions and delivering the most updated FHA information to the consumer. FHA-Mortgage-Lenders.com has an extensive lender network that allows us to provide flexible update FHA mortgage lenders information from portfolio FHA mortgage lenders providing a comprehensive selection of non-traditional FHA, VA, USDA, Conventional, for all including bad credit mortgage applicants.

FHA-Mortgage-Lenders.com is not a direct FHA Mortgage Lender. Information on this site Is for example purposes and should not be relied on for decision making.

About Us

We are US Mortgage Lenders. Major real estate brokerages regularly entrust their clients to our team due to our reputation for transparency, delivering on time, customer satisfaction and loyalty. With five-star customer reviews on Zillow.com and counting, you're assured of having the backing of an experienced team.
Show Buttons
Hide Buttons