Get $75K - $5 Mil

Bank Statement Mortgage Loan Programs

Mortgage Programs for Self Employed in California

Find Bank Statement Mortgage Loan for Self Employed for Purchase, Refinance, Cash Out, Rehab, or Debt Consolidation using 3, 12, or 24 Months of Personal or Business Bank Statement Deposits in California.

 

1st Position Loans

Up to 90% Loan to Value

500+ Credit Accepted

No Tax Returns, P&L or W2

No Prepayment Penalty

Fast, Easy & Quick Approval

Get Funding in 20 - 30 Days

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(951)-254-3712

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Bank Statement Mortgage Loans for Self Employed

500+ Credit Required

No Tax Returns, P&L or W2

Need 12 or 24 Months Statement

BK, Short Sale & Foreclosures OK

Owner Occupied & Non Owner Occupied

1st Mortgages Liens only

LTV (Loan to Value) up to 90%

Up to 80% for Cash out

Up to 85% for Refinance

Interest Rates Starting at 4.75%+*

Terms from 5 Years to 30 Years

Loan Fees 1-3 points

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*Rate, Terms, LTV, Fees are dependent on the loan amount, loan to value, credit, lien position, property type, location, purpose of loan, borrower ability to pay, etc. Call for Details

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Mortgage using Personal or Business Bank Statement Loan Program

We offer 12 or 24 months bank statement loan program for self employed borrowers. Bank statement loan program can be used for Purchase, Refinance, Cash Out, Debt consolidation. Borrower can either use their personal bank statement or business bank statement to qualify for the loan. Bank statement loan program are for any self-employed business owner, bank statement loans program works good with borrowers who earn seasonal income such as consultant, promoter, tax-preparer, freelancer, artist or other professional with an irregular income stream.

How does Bank Statement Loan Program work?
Bank statement loan program is very Simple. Instead using tax returns, W-2s, or proof of regular payroll checks, we base our income lending decision on your bank statements deposits.

We also have access to private hard money Jumbo loans & lenders offering mortgage from $1 mil to $10mil.We Provide Bank Statement Loan programs for self employed borrowers in Riverside, San Bernardino, Inland Empire, Los Angeles, Orange County, San Diego County, Fresno, Bakersfield, San Francisco , San Jose, and all of California.

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Personal Bank Statement Loan Program

How does the personal bank statement mortgage loan program works?

As a self employed borrower you can use 100% of your personal bank statement deposits as income. No need to show tax returns, W2 or P&L.

Add all deposits for all 12 or 24 months and divide that amount by 12 or 24 respectively to receive the monthly income amount we will apply as the borrower’s qualifying income.
Example. 24 months deposits total = $200,000 / 24 = $8,333 a month income.
Example. 12 months deposits total = $100,000 / 12 = $8,333 a month income.

Qualification & Guidelines for Bank Statement Mortgage Loan Program?

Need 500+ Credit, below 500 will be considered on case by case
Need to be Self Employed for at least 2 Years
Bankruptcy & Foreclosure should be settled
Debt to Income Ratio below 50%

We have access to many Bank Statement Mortgage Lenders offering programs for Self Employed Borrowers in Riverside, San Bernardino, Inland Empire, Los Angeles, Orange County, San Diego County, Fresno, Bakersfield, San Francisco , San Jose, Oakland, and all of California Counties.
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Business Bank Statement Loan Program

How does the business bank statement loan program works?

As a self employed borrower you can use 50% of your business bank statement deposits as income. No need to show tax returns, W2 or P&L.

Add all deposits for all 12 or 24 months, divide by 2, and then divide by 12 or 24 respectively to receive the monthly income amount we will allow for the borrower.
Ex. 24 month deposit total = $500,000 / 2 = $250,000 / 24 = $10,333 per month income.
Only 50% is used because we have to assume the business has overhead.

Qualification & Guidelines for Business Bank Statement Mortgage Loan Program?

Need 500+ Credit, below 500 will be considered on case by case
Need to be Self Employed for at least 2 Years
Bankruptcy & Foreclosure should be settled
Debt to Income Ratio below 50%

We provide Business Bank Statement Mortgage programs for Self Employed Borrowers in Riverside, San Bernardino, Inland Empire, Los Angeles, Orange County, San Diego County, Fresno, Bakersfield, San Francisco , San Jose, Oakland, and all of California Counties.
Call for details

Alternative Income Mortgage Programs using Business Bank Statements

What is a Non Prime Mortgage?
Non prime mortgages are for those borrower who either have no credit, poor credit or bad credit. Generally Non prime mortgage loans have higher interest rate as compared to conventional or FHA loans.

What is a Non QM Mortgage Loan?
A non QM mortgage loan (non qualified mortgage) is a loan that allows a borrower to use alternative income methods to qualify for a mortgage as compared to traditional income verification.

Alternative Income Mortgage Programs?
We offer alternative income mortgage programs for borrower who cannot qualify using traditional income verification. Borrower’s can prove income using Business bank statement mortgage, P&L profit & loss statement mortgage, VOE only mortgage (verification of employment), 1099 Income only mortgage.

Stated Income No Doc Loans – No Income Verification Loans

Hard money lenders & Investors also provide Stated Income Loans. Stated income loans allow borrowers to simply state their monthly income on a mortgage application instead of verifying the actual amount by furnishing pay stubs or tax returns. Stated income mortgage loan are mostly used by self employed borrowers. In some cases lender would ask for bank statements to support the stated income.

A SIVA loan, or stated income/verified asset loan, allows you to state your monthly gross income on the loan application and requires you to verify your assets by furnishing bank statements or a similar asset document.

A SISA loan, or state income/stated asset loan, allows you to state both your monthly gross income and your assets on your mortgage application. So in this case, both items are simply stated, and the bank or lender will not ask you to verify the information. Stated Income loan lenders are mostly used by self employed borrower or for business purpose loans

We also provide Equity Based Commercial loans & financing. We also have stated income commercial loans, No income commercial loan programs. A Commercial loan is a mortgage loan secured by commercial property, such as an office building, mixed use property, commercial buildings, shopping center, industrial warehouse, or apartment complex. The proceeds from a commercial mortgage are typically used to acquire, refinance, rehab or redevelop commercial property.

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Mortgage Programs for Self Employed

Bank Statement Loan Program in Los Angeles
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Home Loan Programs for Self Employed

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Bank Statement Mortgage Loan Programs for Self Employed

We provide bank statement mortagge loan program and self employed mortgage in the city of Banning, Beaumont, Blythe, Calimesa, Canyon Lake, Coachella, Corona, Desert Hot Springs, Eastvale, Hemet, Indian Wells, Indio, Jurupa Valley, Lake Elsinore, La Quinta, Menifee, Murrieta, Norco, Palm Desert, Palm Springs, Perris, Rancho Mirage, San Jacinto, Temecula, Wildomar,Adelanto, Apple Valley, Barstow, Big Bear Lake, Chino, Chino Hills, Colton, Crestline, Fontana, Grand Terrace, Hesperia, Highland, Joshua Tree, Lake Arrowhead, Loma Linda, Lucerne Valley, Montclair, Needles, Ontario, Rancho Cucamonga, Redlands, Rialto, Running Springs, Twentynine Palms, Upland, Victorville, Wrightwood, Yermo, Yucaipa, Yucca Valley, Aliso Viejo, Anaheim, Brea, Buena Park, Costa Mesa, Cypress, Dana Point, Fountain Valley, Fullerton, Garden Grove, La Habra, La Palma, Laguna Beach, Laguna Hills, Laguna Niguel, Laguna Woods, Lake Forest, Los Alamitos, Mission Viejo, Newport Beach,  Orange, Placentia, Rancho Santa Margarita, San Clemente, San Juan Capistrano, Santa Ana, Seal Beach, Stanton, Tustin, Villa Park, Westminster, Yorba Linda, Agoura Hills, Alhambra, Arcadia, Artesia, Azusa, Baldwin Park, Bell, Bell Gardens, Bellflower, Beverly Hills, Bradbury, Burbank, CalabasCarson, Cerritos, Claremont, Commerce, Compton, Covina, Cudahy, Culver City, Diamond Bar, Downey,    Duarte, El Monte, El Segundo, Gardena, Glendale, Glendora, Hawaiian Gardens, Hawthorne, Hermosa Beach, Hidden Hills, Huntington Park, Industry, Inglewood, Irwindale, La Canada-Flintridge, La Habra Heights, La Mirada, La Puente, La Verne, Lakewood, Lancaster, Lawndale, Lomita, Long Beach, Los Angeles, San Jose, OaklandBakersfield, Santa Ana, Riverside, Stockton, Seattle, San Francisco, San Bernardino, Modesto, Fremont, Fontana, Palmdale, Oxnard, Ventura, Moreno Valley, Merced, Glendale, Huntington Beach, Irvine, Garden Grove, Orange County, Anaheim, Lynwood, Malibu, Manhattan Beach, Maywood, Monrovia, Montebello, Monterey Park, Norwalk, Palos Verdes Estates, Paramount, Pasadena, Pico Rivera, Pomona, Rancho Palos Verdes, Redondo Beach, Rolling Hills, Rolling Hills Estates, Rosemead, San Dimas, San Fernando, San Gabriel, San Marino, Santa Clarita, Santa Fe Springs, Santa Monica, Sierra Madre, Signal Hill, South El Monte, South Gate, South Pasadena, Temple City, Torrance, Vernon, Walnut, West Covina, West Hollywood, Westlake Village, Whittier, San Diego, Chula Vista, Oceanside, Escondido, Carlsbad, El Cajon, Vista, San Marcos, Encinitas, National City, La Mesa, La Jolla, Fresno.
We also provide Commercial loans & Financing using business bank statements for the following property type;
Apartment Building Loans, Auto Body Repair Shop Loans, Auto Dealership, Anchored Strip Center Loans, Assisted Living Facility Loans, Bowling Alley Loans, Car Wash Loans, Church Loans, Commercial Warehouse Loans, Construction, Convenience Store Loans, Condominium, Congregate Care Facility, Day Care Center Loans, Dental Office, Fitness Center Loans, Funeral Home Loans, Garden Apartment Loans, Gas Station Loans, Golf Course Loans, Health Club, Healthcare Financing, Hotel Loans, Industrial Property Loans, Marina Financing, Medical Office Loans, Mini Storage Loans, Mixed-Use Loans, Motel Loans, Mobile Home Park Loans, Manufactured Homes, Multi-Family Homes, Nursing Home Loans, Office Building Loans, Restaurant, Retail, Rental Property Loans, SBA Loans, School, Self Storage Loans, Senior Housing Loans, Veterinary - Animal Clinic Animal Hospital, Warehouse Loans.

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vfindloans.com  1307 West 6th Street # 219, Corona CA 92882  *  Tel: 951-254-3712  *  Fax: 951-710-6411

Business Hours: Monday thru Friday 9:00 am - 5:00 pm