1-954-667-9110

NO Tax Return-Bank Statement Texas Mortgage Lenders

BANK STATEMENT – NO TAX RETURN  TEXAS MORTGAGE LENDERS
Serving NO Tax Return Mortgage Loans In All Texas Including And Not Limited To: Fort Worth TexasAustin TexasDallas TexasSan Antonio Texas,  Houston Texas

TEXAS BANK STATEMENT ONLY MORTGAGE LENDERS BENEFITS INCLUDE:

  • 2 Years Self Employed Required!
  • Business Or Personals Bank statement deposits used to qualify!
  • No tax returns required
  • 12 months personal bank statements or 24 months Business Statements used for income
  • Loans up to $4 million
  • Credit scores down to 600
  • Rates starting in the 5-6% range.
  • Up to 90% Loan to Value!
  • DTI up to 50% Debt To Income Ratio
  • Owner-occupied, 2nd homes, and investment properties
  • 2 years seasoning for foreclosure, short sale, BK, DIL
  • Non-warrantable condos considered
  • Jumbo loans down to 640 score
  • 5/1 ARM or 30-year fixed
  • No pre-payment penalty for owner-occ and 2nd homes
  • SFRs, townhomes, villas condos, 2-4 units
  • Seller concessions to 6% (2% for investment)

Bank Statement Texas Mortgage Options

Texas Bank Statement Mortgage Lenders offer 12 and 24-month bank statement loan mortgage programs for self-employed Texas mortgage borrowers.

Texas Bank Statement Mortgage lenders that gives loans to self employed borrowers who have the ability to repay their loans and who meet all regulatory lending criteria. We’re providing opportunities for more Texas borrowers to take part in the American dream of home ownership even though they may have had significant credit events or have verifiable bank statement deposit  income that does not fit the standard mortgage loan grid.

Bank Statement Texas Mortgage Lenders 

Texas bank statement mortgage lenders provide  loan programs designed specifically for entrepreneurs, contractors, or other Texas self-employed individuals whose employment history and or tax returns may not reflect a traditional viability for a conventional bank mortgage.

Through our (BSL) Bank Statement Texas Mortgage Lenders Program, we help self employed Texas individuals qualify for a Texas home loan based on their average bank statement deposits rather than through traditional loan programs. BSLs are set as 30 year term loans with a current market fixed-rate interest. There is no penalty for early pay off or additional payments to your principal bank statement mortgage balance.

Bank Statement Loan Program Borrower Requirements

  • Minimum credit score of 600 or better!
  • Must be in the same business or line of work for at least 2 years!
  • The last two years of personal or business bank statements averaged for income– no tax returns needed!
  • A 20% down payment is required at closing
  • Maximum debt-to-income ratio of 55% or better

Bank Statement Loan Program Details

  • Property include primary, secondary homes, and investment properties, including town homes, condos and non-warrantable condominiums!
  • Bank statement mortgage lenders offer 30-year fixed rate loans with no prepayment penalty!
  • Loans are available for up to 85% of the value of the home

Texas Bank Statement Mortgage Lenders  are not government insured but rather lender provided, so the risk for such a loan is solely absorbed by the Texas bank statement mortgage  lender should the borrower ever default. This is why a down payment and higher credit score requirements are higher.

Texas Bay Bank Statement Mortgage Lenders provide a perfect option for those who may not be able to qualify for other home loan options because of the type of extensive tax write offs. If  you have stable predictable deposits for over 2 plus years in the same line of work then we can help.

BANK STATEMENT DEPOSITS USED TO CALCULATE INCOME:

  • MAXIMUM INCOME USED FOR PERSONAL BANK STATEMENTS –  Texas self-employed borrower’s income is calculated by averaging 100% of personal bank statement related deposits from their most recent 12 months of personal bank statements. If your statements show low deposits for two or three months, then a large deposit the following month, the underwriter may request an additional 12 months to confirm your monthly income normally fluctuates. TEXAS SELF EMPLOYEDBank Statement Only Lenders Approvals varies Case By Case from lender to lender.
  • MAXIMUM INCOME USED FOR BUSINESS BANK STATEMENTS – For Texas business bank statements only lenders will allow as much as 90% of the job-related deposits can be used for income qualifying, not 100%. Texas self-employed Bank Statement Only Lenders Approvals varies Case By Case from lender to lender.

The maximum “Debt to Income”(DTI) ratio is 55%. Self-employed borrowers with a lower debt to income ratio may receive better a better rate & pricing. Texas self-employed Bank Statement Only Lenders Approvals varies Case By Case from lender to lender.

MINIMUM BANK STATEMENT ONLY CREDIT SCORE NEEDED

600 or higher middle FICO scores. As much as 80% financing depending on appraised value

Bank statement only lenders require a credit Score of 640-679 are acceptable at lower LTV up to 85% and slightly higher interest rates occur with low down payment options.

Refinance with cash back: 680+ credit = 75% financing;

REQUIRED SELF EMPLOYMENT DOCUMENTATION

All self-employed mortgage lenders are required to prove stability in the line of employment by providing a copy of their business license or “Articles of Incorporation” showing they have been self-employed in the most recent (2) two years OR have a licensed CPA or enrolled IRS agent draft a letter confirming the same. Texas self-employed Mortgage Lenders using Bank Statement Only varies Case By Case from lender to lender.

BANK STATEMENT ONLY REQUIRES MONTHLY RESERVES = MONIES IN ACCOUNT AFTER CLOSING REQUIRED BY TEXAS SELF EMPLOYED MORTGAGE LENDERS-

Case By Case 1 -12 months of P.I.T.I future payments required in the account at closing.

If the loan amount is over $1 million, then 12 months. IF over $2M, then 18 months. Bank Statement Only Approvals varies Case By Case from lender to lender.

ACCEPTABLE BANK STATEMENT ONLY LENDERS LENDER ON PROPERTIES THAT INCLUDE: Condos, Townhomes, single family homes, condotel, duplex, triplex or four-plex all qualify on various programs. Property can be as a primary residence, second home, or rental property. Texas self-employed Bank Statement Only Lenders Approvals varies Case By Case from lender to lender.

BANK STATEMENT ONLY LENDERS TERMS INCLUDE – This self-employed loan type is offered on a 30 year fixed-rate or adjustable-rate mortgages with 5, 7, or 30 years fixed terms then it becomes adjustable. TEXAS SELF EMPLOYED Bank Statement Only Lenders Approvals varies Case By Case from lender to Texas bank statement only mortgage lender.

BANK STATEMENT MORTGAGE LENDERS COVERAGE AREAS

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