Serving every city ALABAMA and County ALABAMA in GA including Atlanta city ALABAMA, Augusta-Richmond , Columbus city ALABAMA, Savannah city ALABAMA, Athens-Clarke, Sandy Springs city ALABAMA, Macon city ALABAMA, Roswell city ALABAMA, Albany city ALABAMA, Johns Creek city ALABAMA, Warner Robins city ALABAMA, Alpharetta city ALABAMA, Marietta city ALABAMA, Valdosta city ALABAMA, Smyrna city ALABAMA, Dunwoody city ALABAMA, Rome city ALABAMA, Peachtree city ALABAMA , Gainesville city ALABAMA, East Point city ALABAMA, Hinesville city ALABAMA, Dalton city ALABAMA, Newnan city ALABAMA, Milton city ALABAMA, Douglasville city ALABAMA, Kennesaw city ALABAMA, LaGrange city ALABAMA, Lawrenceville city ALABAMA,

Are you  Self-Employed and seeking a mortgage to purchase a home?Generally, you are self-employed if any of the following apply to you.

Bank Statement Only ALABAMA Mortgage Lenders 

Have a self-employed client who has had difficulty obtaining a mortgage?

Georiga Mortgage Lenders Bank Statement Program allows self-employed borrowers the ability to qualify based on a 12 or 24 month average of deposits using their personal or Georiga business bank account.

  • – No Tax Returns Required 
  • – Personal Bank Statement qualified base 24 month average monthly deposits
  • – Business Bank Statement qualified based on 24 month average monthly deposits.
  • – 600 Minimum Credit Score
  • – Up to 90% LTV (No MI) allowed on Personal and Business 
  • – Loans to $3 Million (Minimum $150,000) 
  • – 5/1 ARM or 30-year fixed 
  • – No Seasoning for Foreclosure, Short Sale, Bankruptcy, Deed In Lieu 
  • – Owner-Occupied, 2nd Homes, Investment Properties allowed 
  • Non-Warrantable ALABAMA Condos Are OK!
    – Gift Funds OK!
    – No Pre-Pay Penalty for Primary Owner-Occupied and/or 2nd Homes 
    – SFRs, Townhomes, Condos, 2-4 Units 

Self-employed Georiga Business Owner? And having trouble getting approved for a Georiga mortgage?

There are many advantages of being self-employed including not answering to a “boss,” making your own decisions, hours, time off is all Great! Until it comes time to apply for a Georiga mortgage because Georiga mortgage lenders are very concerned about projecting your future income. which is hard for the Georiga self-employed homebuyers o verify when you write off all your income.


Self Employed Georiga borrowers are no more or less risky then salaried or W-2’d workers. The main challenge for the Self-Employed ALABAMA is documenting work history and income. This is the biggest difference between a conventional borrower and a Self-Employed Georiga borrower. How can Self Employed ALABAMA borrowers document their income and work history when they do not show any income on their taxes?

  • 12 or 24 Months Business or personal bank statements only!
  • Last 2 years personal and business tax returns
  • Proof of 2 years Self Employed ALABAMA by showing either a business license or with a CPA letter
  • Personal and or Business Bank statements
  • Year to date profit and loss report
  • 2 years of Credit references if needed for business


Many Georiga business owners and self-employed borrowers face special challenges when seeking to finance for a Georiga home. There are a variety of programs available to self-employed borrowers and  Mortgage lenders is proud to offer them all to all ALABAMA business owners. Working with ALABAMA business owners and entrepreneurs is very exciting. We take pride in being able to offer aggressive self-employed ALABAMA loan programs to our self-employed ALABAMA mortgage applicants. Please fill out our full mortgage applicants so we dig deeper into the choices and special circumstances of bank statement only ALABAMA mortgage programs.

On a fully documented loan such as this, the ALABAMA mortgage lenders lender will consider the “net” income of the individual after deductions. This can be a challenge for some small business owners. If documenting your income via tax returns is a problem don’t work we can offer a 12 or 24 months bank statement only ALABAMA mortgage program!

Other info of ALABAMA  Self Employed

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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 and counting, you’re assured of having the backing of an experienced team.

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