California Stated Income Mortgage Lenders Using Bank Statements

California Stated Income Mortgage Lenders 

California Stated Income mortgage lenders are making a comeback. The new California stated income lender is offering many different options in which the borrower can verify the ability to make  California mortgage payments.  Stated California mortgage lenders are known by many different interchangeable names that all mean the same thing including and not limited to  “alternative income verification loans”, which are also often called “alternative documentation mortgage loans”, or “bank statement loan programs”.

Self Employed Mortgage Lenders For Self-Employed California Borrowers

These new loan products differ from the pre-recession loans that make the mortgage market crash. Those California stated income mortgage programs were called “liar loans”.  Today’s stated income California mortgage lenders actually require that your income is verified some way or another. Another new popular option in lieu of tax returns is the bank statement loan program where the borrower uses tax returns to verify their income. Or, investor cash flow where California real estate investor can use the projected cash flow from the rental home to qualify for the new mortgage payments.  there are flexible options in how this verification takes place.  The most popular stated-income California mortgage lenders often allow either 12 or 24 months of bank statements to be used instead of tax returns to qualify.  This is most helpful for California self-employed mortgage applicants who receive their income from many sources.

California Bank Statement Only (Personal or business) Bank Statements

  • No Tax Returns No Tax Returns Or Tax Transcripts Needed
  • 12 Months Business Or Personal Bank Statement Deposits Used For Income.
  • California Jumbo Bank Statment Loans Up To $5 million
  • (Min Bank Statment Only California Loan Amount $100,000)
  • Credit Scores Down To 600
  • Rates Starting In The Low 5’s
  • Personal + stated income business mortgage lenders+ W2 Income Or Mixed Deposits OK!
  • DTI up to 50% Considered!
  • Owner-Occupied, 2nd Homes, Investment Properties
  • Foreclosure, Short-Sale, BK, DIL – OK!!
  • Non-Warrantable Condos – OK!
  • 5/1 ARM 7/1 ARM Or 30-Year Fixed
  • Gift Funds Allowed
  • No Pre-Payment Penalty 
  • or Owner-Occ And 2nd Homes + Investment!
  • SFRs, Townhomes, Condos, 2-4 Units
  • Seller Concessions To 6% (2% For Investment)
  • Mix Of Both Personal And stated income business mortgage lenders California Bank Statement Deposits OK!
  • SAME DAY APPROVALS! CALL NOW 954-667-911012 or 24 Month borrower prepared P&L statement: (all loans under $3 Million would require the following) P&L prepared and signed by the borrower; and A stated income business mortgage lenders narrative provided by the borrower which includes detail regarding the size and operating profile of the stated income business mortgage lenders addressing; location/rent, number of employees/contractors, COGS, Trucks/Equipment (Owned or leased). The expenses listed on the P&L should address all items disclosed in the narrative. 24-months of stated income business mortgage lenders bank statements covering the most recent time-period and matching the same period covered by the P&L;

     The underwriter analysis of the stated income business mortgage lenders and P&L will require a basic understanding of the borrowers stated income business mortgage lenders. The narrative provided by the borrower should be reviewed to determine if the stated income business mortgage lenders provides a service or produces/manufactures goods. If the stated income business mortgage lenders has a website, it should be reviewed to gain additional information on the stated income business mortgage lenders and its size. The goal of the analysis is to determine if the individual/total expenses as provided by the borrower on the P&L appear reasonable for the type of stated income business mortgage lenders. The items that may be considered in this analysis;

    o Description of stated income business mortgage lenders from the narrative

    o Location of stated income business mortgage lenders – Home based or lease space (Google address)

    o Utilities – Phone, electric, internet

    o Number of employees or contractors – employee taxes, payroll

    expense

    o Cost of Goods Sold – What type of materials does the stated income business mortgage lenders use or manufacture.

    o Equipment or Trucks/Vehicles owned or leased

    o Type of client base – retail or commercial

     The underwriter should provide notes of their analysis on the U/W approval

    form/1008/or within the bank statement calculator.

    o Expenses must be reasonable for the type of stated income business mortgage lenders;

    o The pattern of deposits and payment should be consistent;

    o Expectations of changes in deposit pattern must be considered;

    o Income documented separately but co-mingled must be backed out of deposits.

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TOP CALIFORNIA STATED INCOME MORTGAGE LINKS  

California Bank Statement Only Lenders 12or24 Month Bank …

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Bank Statment only loans are a perfect solution for California commissioned income or/and 1099mortgage applicants who don’t want to provide tax returns …

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California Self Employed Bank Statement Mortgage Lenders
https://www.fhamortgageprograms.com/california-self-employed-bank-statement-mor…

Bank Statment only loans are a perfect solution for California commissioned income or/and 1099mortgage applicants who don’t want to provide tax returns …
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Los Angeles California Self Employed Mortgage Lenders 
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California Self Employed Links 

  1. Self-Employed – Disability Insurance Elective Coverage
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