6 ALABAMA STATED INCOME MORTGAGE LENDERS PROGRAMS

6 ALABAMA STATED INCOME MORTGAGE LENDERS PROGRAMS

24 MONTHS PERSONAL BANK STATEMENT ONLY ALABAMA MORTGAGE LENDERS

  • Use 100% of the deposits
  • Must provide 2 months business bank statements to verify where deposits come from.
  • NO more than 6 NSF in the last 12 months.
  • Minimum 640 FIco Score Prime Bank Statement Mortgage Lenders
  • Minimum 600 fico for Standard Bank Statement mortgage Lenders

12 MONTHS PERSONAL BANK STATEMENT ALABAMA MORTGAGE LENDERS

  • 2 months business bank statements required
  • 80% Loan to Value
  • 4 years proof of self employment
  • Prime bank statement mortgage lenders only

24 MONTH BUSINESS BANK STATEMENT ALABAMA MORTGAGE LENDERS

  • 24 months business bank statements.
  • Minimum 25% ownership in the business
  • 3rd party CPA, Enrolled Agent, Or Reputable Bookery letter to verify experiences.
  • MInimum 600 fico score
  • Standard bank statement mortgage lenders only

ASSET EXPRESS ALABAMA MORTGAGE LENDERS PROGRAM

  • Liquid assets that total the entire principal balance with 5 years other expenses
  • Excluding principal and interest on subject qualifies.
  • All qualifying assets must be inthe  bank or brokerage account.
  • Assets must be seasoned for at least 6 months.
  • 75% Maximum Loan to value.
  • Credit grades A,A-, B+

ASSET ASSIST ALABAMA MORTGAGE LENDERS LOAN PROGRAM

  • Liquid assets qualify for borrowers income with other income.
  • Qualifying assets in the bank or brokerage account.
  • Assets must be seasoned for at least 6 months.
  • Credit grades A, A, B All parties on shared accounts must b on the loan.
  • Owner occupied, 2nd homes, non owner occupied homes

LEASE AGREEMENT ALABAMA MORTGAGE LENDERS PROGRAM

  • Use lease agreements interest of schedule Es.
  • 80% of the least agreement used as income
  • Rents must be typical for the area
  • Credit grates A, A-, and B.
  • Owner occupied, 2nd homes, non Owners occupied.
  • ALABAMA STATED MORTGAGE LENDERS SUMMARY!
    • No tax returns required.
    • Bank statement deposits used to qualify.
    • 24 months’ personal bank statements (Personal and Business)
    • Loans up to $2 million.
    • Credit scores down to 600’s.
    • Rates starting in the low 5’s.
    • Up to 85% LTV.
    • DTI up to 50% considered.

       

    SERVING EVERY CITY IN ALAMBA

    Abbeville
    Adamsville
    Addison
    Akron
    Alabaster
    Albertville
    Alexander City
    Alexandria
    Aliceville
    Allgood
    Altoona
    Andalusia
    Anderson
    Anniston
    Arab
    Ardmore
    Argo
    Ariton
    Arley
    Ashford
    Ashland
    Ashville
    Athens
    Atmore
    Attalla
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    Autaugaville
    Avon
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    Baileyton
    Banks
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    Bayou La Batre
    Bear Creek
    Beatrice
    Beaverton
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    Benton
    Berry
    Bessemer
    Billingsley
    Birmingham
    Black
    Blountsville
    Blue Mountain
    Blue Ridge
    Blue Springs
    Boaz
    Boligee
    Bon Air
    Branchville
    Brantley
    Brent
    Brewton
    Bridgeport
    Brighton
    Brilliant
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    Brookwood
    Brundidge
    Butler
    Bynum
    Cahaba Heights
    Calera
    Camden
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    Carolina
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    Castleberry
    Cedar Bluff
    Center Point
    Centre
    Centreville
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    Chatom
    Chelsea
    Cherokee
    Chickasaw
    Childersburg
    Citronelle
    Clanton
    Clay
    Clayhatchee
    Clayton
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    Clio
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    Coffee Springs
    Coffeeville
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    Colony
    Columbia
    Columbiana
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    Coosada
    Cordova
    Cottonwood
    County Line
    Courtland
    Cowarts
    Creola
    Crossville
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    Cullman
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    Daphne
    Dauphin Island
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    Dayton
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    Epes
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    Gantts Quarry
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    Georgiana
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    Glencoe
    Glenwood
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    Marion
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    Mosses
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    Mountain Brook
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    Mount Vernon
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    Napier Field
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    Nauvoo
    Nectar
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    Newbern
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    New Market
    New Site
    Newton
    Newville
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    North Courtland
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    Notasulga
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    Oak Hill
    Oakman
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    Ohatchee
    Oneonta
    Onycha
    Opelika
    Opp
    Orange Beach
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    Owens Cross Roads
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    Parrish
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    Pell City
    Pennington
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    Phenix City
    Phil Campbell
    Pickensville
    Piedmont
    Pike Road
    Pinckard
    Pine Apple
    Pine Hill
    Pine Ridge
    Pinson
    Pisgah
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    Pleasant Groves
    Point Clear
    Pollard
    Powell
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    Priceville
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    Providence
    Ragland
    Rainbow City
    Rainsville
    Ranburne
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    Red Level
    Redstone Arsenal
    Reece City
    Reform
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    Repton
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    St. Florian
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    Section
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    Smoke Rise
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    Spanish Fort
    Springville
    Steele
    Stevenson
    Sulligent
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    Summerdale
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    Sylacauga
    Sylvania
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    Talladega
    Talladega Springs
    Tallassee
    Tarrant
    Taylor
    Theodore
    Thomaston
    Thomasville
    Thorsby
    Tillmans Corner
    Town Creek
    Toxey
    Trafford
    Triana
    Trinity
    Troy
    Trussville
    Tuscaloosa
    Tuscumbia
    Tuskegee
    Underwood-Petersville
    Union
    Union Grove
    Union Springs
    Uniontown
    Valley
    Valley Head
    Vance
    Vernon
    Vestavia Hills
    Vina
    Vincent
    Vredenburgh
    Wadley
    Waldo
    Walnut Grove
    Warrior
    Waterloo
    Waverly
    Weaver
    Webb
    Wedowee
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    West End-Cobb Town
    West Jefferson
    West Point
    Wetumpka
    White Hall
    Wilsonville
    Wilton
    Winfield
    Woodland
    Woodville
    Yellow Bluff
    York

     

     

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