CALIFORNIA BANK STATEMENT MORTGAGE LOANS FOR SELF EMPLOYED

CALIFORNIA BANK STATEMENT MORTGAGE 

We can help those who are self-employed with our California Bank Statement  Mortgage Lenders. If you’re a business owner or a self-employed freelancer, there may come a time when you’re ready to buy a home or refinance your existing one. But as a self-employed, you don’t have a salaried or w2 income or you simply write off to many expenses taking it difficult for you to qualify for a traditional home loan. Self-employed mortgage applicants are the most common borrowers to benefit from our California Bank Statement only loans. This type of non-conventional mortgage loan allows self-employed mortgage applicants to get a loan relatively easily.

NO TAX RETURNS NEEDED! QUALIFY USING BANK STATEMENT ONLY
Self-Employed Mortgage Lenders Questions And Answers

NO TAX RETURN CALIFORNIA SELF EMPLOYED THAT CAN BENEFIT INCLUDE:

  • 1099 Contract workers
  • Business owners

  • Truckers

  • Realtors

  • Freelance employees

  • Consultants

  • Independent contractors

  • Sole proprietor

  • Gig economy workers

  • Entrepreneurs

EXAMPLE – Bobs tax returns for the past 2 years showed bob only made $40,000. Our self-employed mortgage lenders allowed Bob to use $25,980 per month for income. 310,900 total business California Bank Statement deposits/12 = $25,980 monthly allowable income used to qualify for a mortgage.

CALIFORNIA SELF EMPLOYED SITUATION SUMMARY
Bobs last 2 years tax returns after expenses only showed bob making 60,000 per year. This did not allow Bob to purchase the home of his dreams. Thanks to our California Bank Statement only mortgage lenders Bob was able to qualify for a California Bank Statement only mortgage loan without having to show his tax returns, which meant that his business write-offs were not a problem. Bob’s monthly income bank deposits over the past 12 months were enough to qualify him for a California Bank Statement loan. His California Bank Statement showed:

CASE STUDY
Bob is a self-employed 1099 court reporter for the past 9 years. Bob is a contractor employed by an agency. Bob provided a  letter from the agency to prove he has been a self-employed contractor for the last 2 years. $320,000 = Bobs Total Business California Bank Statement s deposits March to February.

CALIFORNIA SELF PREPARED PROFIT AND LOSS
Bob’s Self Generated Profit and Loss Statement
Name of Bob business Bobs Court Reporting

  • Dates from March to February
  • Gross Receipts (+) $320,000
  • Cost of Goods Sold 0
  • Bobs Gross Profit $320,000
  • ________________________________________
  • business Bobs Court Expenses
  • Advertising 0
  • Car/Truck Expenses 6000
  • Contract Labor 0
  • Depreciation 0
  • Insurance 0
  • Interest paid out 0
  • Office expenses 0
  • Repairs 0
  • Supplies 600
  • Taxes and licenses
  • Travel, meals, entertainment            2500
  • Utilities
  • Wages
  • Other
  • Total Expenses $9100
  • Net Profit (or Loss)
  • Gross profit minus Expenses                 310,900
  • Our self-employed mortgage lenders allowed Bob to use $25,980 per month for income.
  • 310,900 /12 = $25,980

NO TAX RETURN CALIFORNIA MORTGAGE LENDERS KEY REQUIREMENTS INCLUDE

  • 660 FIco for 10% Down or 600 Fico for 15% Down.
  • The minimum loan amount is $100,000, maximum loan is $5,000,000 The minimum loan amount is $100,000, maximum loan is $5,000,000
  • You document self-employed for at least 2 years. Licenses, 1099, Employer or CPA Letter.
  • 3 months I reserves (reserves= total monthly payment)  in the bank for loan amounts under $1 million, 6 months for loan amounts over $1 million
  • Purchase or CALIFORNIA  Refinance Primary, Second Home or Investment Homes.

POPULAR SELF EMPLOYED MORTGAGE PAGES INCLUDE

California  Self Employed Mortgage Lenders Covers All Zip Codes Including

 

Self Employed Mortgage Lenders By Zip City County Type
Self Employed Mortgage Lenders Zip 90001 Los Angeles Los Angeles No Tax Return Mortgage
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Self Employed Mortgage Lenders Zip 91501 Burbank Los Angeles No Tax Return Mortgage
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Self Employed Mortgage Lenders Zip 91601 North Hollywood Los Angeles No Tax Return Mortgage
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Self Employed Mortgage Lenders Zip 91603 North Hollywood Los Angeles 1099 Only Mortgage Lenders
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Self Employed Mortgage Lenders Zip 91722 Covina Los Angeles No Tax Return Mortgage
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Self Employed Mortgage Lenders Zip 91729 Rancho Cucamonga San Bernardino 1099 Only Mortgage Lenders
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Self Employed Mortgage Lenders Zip 91733 South El Monte Los Angeles No Tax Return Mortgage
Self Employed Mortgage Lenders Zip 91734 El Monte Los Angeles 1099 Only Mortgage Lenders
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Self Employed Mortgage Lenders Zip 91740 Glendora Los Angeles No Tax Return Mortgage
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Self Employed Mortgage Lenders Zip 91750 La Verne Los Angeles No Tax Return Mortgage
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Self Employed Mortgage Lenders Zip 91770 Rosemead Los Angeles No Tax Return Mortgage
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Self Employed Mortgage Lenders Zip 91780 Temple City Los Angeles No Tax Return Mortgage
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Self Employed Mortgage Lenders Zip 91789 Walnut Los Angeles No Tax Return Mortgage
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Self Employed Mortgage Lenders Zip 91793 West Covina Los Angeles 1099 Only Mortgage Lenders
Self Employed Mortgage Lenders Zip 91801 Alhambra Los Angeles No Tax Return Mortgage
Self Employed Mortgage Lenders Zip 91802 Alhambra Los Angeles 1099 Only Mortgage Lenders
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Self Employed Mortgage Lenders Zip 91901 Alpine San Diego No Tax Return Mortgage
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Self Employed Mortgage Lenders Zip 91917 Dulzura San Diego No Tax Return Mortgage
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Self Employed Mortgage Lenders Zip 91931 Guatay San Diego 1099 Only Mortgage Lenders
Self Employed Mortgage Lenders Zip 91932 Imperial Beach San Diego No Tax Return Mortgage
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Self Employed Mortgage Lenders Zip 91945 Lemon Grove San Diego No Tax Return Mortgage
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Self Employed Mortgage Lenders Zip 91950 National City San Diego No Tax Return Mortgage
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Self Employed Mortgage Lenders Zip 92003 Bonsall San Diego No Tax Return Mortgage
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Self Employed Mortgage Lenders Zip 92019 El Cajon San Diego No Tax Return Mortgage
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Self Employed Mortgage Lenders Zip 92023 Encinitas San Diego 1099 Only Mortgage Lenders
Self Employed Mortgage Lenders Zip 92024 Encinitas San Diego No Tax Return Mortgage
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Self Employed Mortgage Lenders Zip 92036 Julian San Diego No Tax Return Mortgage
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Self Employed Mortgage Lenders Zip 92040 Lakeside San Diego No Tax Return Mortgage
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Self Employed Mortgage Lenders Zip 92049 Oceanside San Diego 1099 Only Mortgage Lenders
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Self Employed Mortgage Lenders Zip 92197 San Diego San Diego No Tax Return Mortgage
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Self Employed Mortgage Lenders Zip 92199 San Diego San Diego No Tax Return Mortgage
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Self Employed Mortgage Lenders Zip 92210 Indian Wells Riverside No Tax Return Mortgage
Self Employed Mortgage Lenders Zip 92211 Palm Desert Riverside No Tax Return Mortgage
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Self Employed Mortgage Lenders Zip 92227 Brawley Imperial No Tax Return Mortgage
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Self Employed Mortgage Lenders Zip 92233 Calipatria Imperial No Tax Return Mortgage
Self Employed Mortgage Lenders Zip 92234 Cathedral City Riverside No Tax Return Mortgage
Self Employed Mortgage Lenders Zip 92235 Cathedral City Riverside 1099 Only Mortgage Lenders
Self Employed Mortgage Lenders Zip 92236 Coachella Riverside No Tax Return Mortgage
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Self Employed Mortgage Lenders Zip 92240 Desert Hot Springs Riverside No Tax Return Mortgage
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Self Employed Mortgage Lenders Zip 92249 Heber Imperial No Tax Return Mortgage
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Self Employed Mortgage Lenders Zip 92254 Mecca Riverside No Tax Return Mortgage
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