US Mortgage Lenders
Rated 5/5.0 based on 266 reviews
US Mortgage Lenders
2700 North 29th AvenueHollywoodFL33020
exclude(954) 667-9110

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www.Texas-mortgage-lenders.com All information subject to change without notice.

12-24 MONTH CALIFORNIA BANK STATEMENT MORTGAGE LENDERS

12-24 MONTH CALIFORNIA BANK STATEMENT MORTGAGE LENDERS

  • 12-24 Months Personal/California Business Bank statements for Income! No TAX RETURNS NEEDED!
  • We can use either California Profit & Loss Statements or California Expense Factor
  • Near or Non-Prime Programs
  • California Bank Statment Loans Up to 90% LTV for 720+ FICO Personal Bank
  • California Bank Statment Loans Up to 85% LTV for 660+ FICO Personal Bank
  • California Bank Statment Loans Up to 80% LTV for 660+ FICO Business
  • California Bank Statment Loans Up to 75% LTV for 580+ FICO Personal/Business
  • California Bank Statment Loans Up to 65% LTV for 500+ FICO Personal/Business
  • California Bank Statment Loan amounts up to $2,500,000
  • California Bank Statment Cash out up to $500,000
  • Interest Only, ARM and Fixed Terms available

APPLY NOW

POPULAR California SELF EMPLOYED MORTGAGE PAGES INCLUDE:
  •  California Self Employed Get Mortgage Approval with NO Tax Returns!
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  • 12-24 month California bank statement mortgage Lenders program 
  •  SELF EMPLOYED ADDISON California MORTGAGE Lenders
WE PROVIDE SOLUTIONS… NOT JUST LOANS
  • 75% Business Purpose Loans
  • No Income Verification
  • 90% Purchase
  • 1 Year Bank Statement Deals
  • 80% LTV ITIN Lending
  • Foreign National
  • 500 FICO and Above

California Bank Statement Mortgage Lenders offer a 24-Month Bank Statement Loan Program using bank statements ONLY to qualify for a mortgage..

California Bank Statement Only Mortgage Lenders borrowers that can document their income by providing the following 2 documents along with 24 months banks statements:

  1. x US Mortgage Lenders Bank Statement Deposit Calculator – Sheet
  2. Bank Statement Lenders 24 Month Profit and Loss Statement Request

KEY POINTS TO THE BANK STATEMENT ONLY MORTGAGE PROGRAM

  • Business or Personal Statements to 85%LTV!!!
  • • 100% of Deposits for Personal Statements! or
  • • 100% of Deposits for Business Statements!
  • • Don’t look at Withdrawals!
  • • Don’t look at Overdrafts!
  • • No P&L!
  • • No Reserves!

20% Down – after California Foreclosure, Short Sale or BK

Our Stated and California Bank Statement Only Mortgage Lenders Loan Approvals Up to $3,000,000 Loan Amounts

California Bank Statement Only Mortgage Lenders MORTGAGE Lenders REQUIREMENTS

  1. Min 500 FICO!
  2. 24 Months of Statements
  3. Owner Occ. w/ 600 Fico, Non Owner & 2nd Homes w/500 Fico
  4. Self Employed and 1099 borrowers only
  5. Only 6 NSF’s in most recent 12 months

California NO OBLIGATION CONSULTATION

24 Months California Bank Statement Only Mortgage Lenders Employment Types:

  • Self Employed
  • 1099
  • o Must provide business license, Tax Preparer’s NOT Audited letter or corporate paperwork.

US Mortgage Lenders will accept Personal or Business Bank Statements.  However, qualifying income will be calculated differently.

Personal Bank Statements:  100% of Deposits- Add all deposits for all 24 months and divide that amount by 24 to receive the monthly income amount we will apply as the borrower’s qualifying income.

Ex. 24 months deposits total = $200,000 / 24 = $8,333 a month income.

Business Bank Statements:  50% of Deposits- Add all deposits for all 24 months, divide by 2, and then divide by 24 to receive the monthly income amount we will give to the borrower.

Ex. 24 month deposit total = $500,000 / 2 = $250,000 / 24 = $10,333 a month income. * Only 50% is used because we have to assume the business has overhead.

Details of California Bank Statement Only Mortgage Lenders Lenders Program:

Personal & Business Guidelines

  • Only deposits can be used Transfers are NOT counted on personal and case-by-case for business*
  • Must have 24 consecutive months of statements (no gaps)
  • Must provide All pages (even the last pages with advertising)
  • Can not commingle (use two different accounts) statements**
  • If account was used and closed and new account for remainder of statements must show closing of old account and opening of new account

bank Transfers may be accepted for business statements when they come from credit card clearing houses (examples: Paypal, Square, AMEX, etcetera).  Case-by-Case and must be considered normal for the company.

California Bank Statement Only Mortgage Lenders borrowers may use multiple bank accounts are considered on a case-by-case when (a) one account is closing and reopening new account, or (b) for Business accounts that are two different and autonomous businesses.

ALL California SITUATIONS ARE WELCOME- SERVING EVERY CITY LOCATION IN California INCLUDING:

 

California BANK STATEMENT ONLY MORTGAGE Lenders BENEFITS INCLUDE:
  • 2 Years Self Employed Required!
  • 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 $3 million.
  • Credit scores down to 600.
POPULAR California SELF EMPLOYED MORTGAGE PAGES INCLUDE:
 California Self Employed Get Mortgage Approval with NO Tax Returns!
 California SELF EMPLOYED-BANK STATEMENT MORTGAGE Lenders
 California Self Employed Get Mortgage Approval with NO Tax Returns!
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12-24 month California bank statement mortgage Lenders program 
 SELF EMPLOYED ADDISON California MORTGAGE Lenders
Self Employed California Mortgage Search Results

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City Population
1 Los Angeles 3,918,872
2 San Diego 1,374,812
3 San Jose 1,009,363
4 San Francisco 850,282
5 Fresno 513,807
6 Sacramento 484,530
7 Long Beach 469,793
8 Oakland 412,040
9 Bakersfield 367,555
10 Anaheim 346,776
11 Santa Ana 333,605
12 Riverside 318,678
13 Stockton 301,443
14 Chula Vista 260,598
15 Irvine 246,992
16 Fremont 227,934
17 San Bernardino 214,581
18 Modesto 208,512
19 Fontana 205,228
20 Oxnard 204,752
21 Moreno Valley 202,061
22 Huntington Beach 198,724
23 Glendale 197,895
24 Santa Clarita 180,303
25 Garden Grove 174,676
26 Oceanside 173,829
27 Rancho Cucamonga 173,309
28 Santa Rosa 173,165
29 Ontario 169,389
30 Elk Grove 163,634
31 Corona 161,614
32 Lancaster 159,651
33 Palmdale 156,823
34 Salinas 155,889
35 Hayward 154,507
36 Pomona 151,807
37 Escondido 149,912
38 Sunnyvale 149,596
39 Torrance 147,307
40 Pasadena 140,268
41 Orange 139,919
42 Fullerton 139,491
43 Visalia 128,738
44 Thousand Oaks 128,623
45 Roseville 128,276
46 Concord 126,938
47 Simi Valley 126,126
48 East Los Angeles 124,191
49 Santa Clara 122,725
50 Victorville 121,320
51 Vallejo 119,644
52 Berkeley 118,585
53 El Monte 115,665
54 Downey 113,223
55 Costa Mesa 112,439
56 Carlsbad 112,008
57 Inglewood 111,012
58 Fairfield 110,953
59 San Buenaventura (Ventura) 109,067
60 Temecula 108,965
61 Antioch 108,675
62 Murrieta 108,583
63 Richmond 108,303
64 West Covina 107,634
65 Norwalk 106,360
66 Daly City 105,543
67 Burbank city 104,583
68 Santa Maria 103,642
69 El Cajon 102,894
70 Rialto 102,418
71 San Mateo 102,224
72 Clovis 102,148
73 Jurupa Valley 100,737
74 Vista 98,560
75 Compton 97,740
76 Arden-Arcade 96,898
77 Mission Viejo 96,178
78 Vacaville 95,607
79 South Gate 95,219
80 Carson 92,780
81 Hesperia 92,664
82 Santa Monica 92,247
83 Westminster 91,635
84 San Marcos 91,479
85 Redding 91,320
86 Santa Barbara 90,922
87 Chico 89,377
88 San Leandro 89,039
89 Hawthorne 86,938
90 Newport Beach 86,813
91 Whittier 86,630
92 Livermore 86,493
93 Tracy 86,382
94 Citrus Heights 85,954
95 Indio 85,401
96 Menifee 84,978
97 Alhambra 84,866
98 Chino 83,670
99 Buena Park 82,771
100 Hemet 82,748
101 Redwood City 82,595
102 Merced 81,461
103 Lakewood 81,054
104 Lake Forest 80,658
105 Napa 79,567
106 Tustin 79,396
107 Mountain View city 78,827
108 Bellflower 77,687
109 Alameda 77,409
110 Chino Hills 77,266
111 Pleasanton 77,046
112 Baldwin Park 76,511
113 Upland 75,851
114 Folsom 74,960
115 San Ramon 74,366
116 Perris 73,718
117 Manteca 73,570
118 Union City 73,500
119 Milpitas 73,447
120 Apple Valley 71,455
121 Lynwood 71,233
122 Turlock 71,166
123 Redlands 70,442
124 Rancho Cordova 69,482
125 Pittsburg 67,998
126 Redondo Beach 67,664
127 Walnut Creek 67,568
128 Yorba Linda 67,362
129 Davis 66,886
130 Palo Alto 66,649
131 Camarillo 66,630
132 South San Francisco 66,587
133 Yuba City 66,147
134 San Clemente 65,082
135 Laguna Niguel 64,984
136 Lodi 63,842
137 Pico Rivera 63,724
138 Carmichael 63,631
139 Montebello 63,416
140 Madera 63,398
141 Florence-Graham 63,390
142 Santa Cruz 63,310
143 Castro Valley 62,825
144 Encinitas 62,160
145 Tulare 61,664
146 La Habra 61,660
147 Monterey Park 61,001
148 Rocklin 60,509
149 National City 60,349
150 Cupertino 60,297
151 Lake Elsinore 60,230
152 Gardena 59,898
153 Petaluma 59,757
154 South Whittier 59,313
155 La Mesa 59,125
156 San Rafael 58,948
157 Huntington Park 58,921
158 Porterville 58,472
159 Eastvale 58,217
160 Arcadia 57,755
161 Woodland 57,552
162 Brentwood 56,923
163 Santee 56,839
164 Fountain Valley 56,670
165 Diamond Bar 56,456
166 Paramount 54,941
167 Hanford 54,912
168 Novato 54,790
169 Dublin 54,523
170 Rosemead 54,507
171 Highland 54,490
172 Hacienda Heights 54,033
173 Colton 53,856
174 Cathedral City 53,268
175 Watsonville 52,915
176 Yucaipa 52,886
177 Gilroy 52,576
178 Delano 52,538
179 Placentia 52,168
180 West Sacramento 51,386
181 Glendora 51,285
182 Palm Desert 51,045
183 Rowland Heights 50,281
184 Aliso Viejo 50,219
185 Cerritos 49,797
186 Poway 49,675
187 Florin 49,486
188 La Mirada 49,130
189 Rancho Santa Margarita 49,038
190 Cypress 48,978
191 Covina 48,539
192 Azusa 48,498
193 Antelope 48,325
194 Ceres 47,231
195 North Highlands 46,841
196 San Luis Obispo 46,716
197 Palm Springs 46,714
198 San Jacinto 46,375
199 Lincoln 45,675
200 Altadena 45,001
201 Newark 44,677
202 Coachella 43,826
203 Danville 43,758
204 El Centro 43,699
205 Lompoc 43,678
206 El Dorado Hills 43,495
207 Bell Gardens 42,805
208 San Bruno 42,736
209 Rancho Palos Verdes 42,412
210 Beaumont 42,191
211 Rohnert Park 41,928
212 Morgan Hill 41,839
213 Brea 41,351
214 Campbell 40,788
215 La Puente 40,384
216 San Gabriel 40,200
217 La Quinta 39,801
218 Calexico 39,750
219 Culver City 39,395
220 Oakley 38,968
221 Pacifica 38,844
222 Stanton 38,594
223 Montclair 38,294
224 Martinez 37,544
225 La Presa 37,110
226 Monrovia 37,090
227 Los Banos 37,012
228 Hollister 36,901
229 Temple City 36,084
230 San Juan Capistrano 36,006
231 Bell 35,927
232 Claremont 35,827
233 West Hollywood 35,661
234 Moorpark 35,594
235 Manhattan Beach 35,573
236 Orangevale 35,084
237 Wildomar 34,775
238