Oakland CA NO Tax Return-Mortgage Lenders 

Oakland California Self Employed Mortgage Lenders No Tax Return Mortgage Lenders

CALIFORNIA STATED INCOME MORTGAGE LENDERS PROGRAMSOakland CAlifornia No Tax Return Mortgage Lenders 
Oakland CAlifornia CA Self Employed PRE APPROVAL CHECKLIST 

  1. Copy of Drivers license.
  2. Proof of 2 years Oakland CAlifornia CA Self Employed including articles of incorporation, 1099, accountant letter to prove 2 years self-employed. 
  3. Fill our a Full Mortgage Appli CAtion
  4. Lable by month and upload your most recent 12 or 24 months of business or personal bank statements.

For More Info CAll 954-667-9110

NO TAX RETURNS MORTGAGE DOCUMENTS NEEDED

• Two options available – Alt-Doc & Reduced Doc
o Alternative No Tax Return Mortgage Lenders Documentation:
▪ 24 Months Personal Bank Statements
▪ 24 Months Business Bank Statements with a profit and loss statement
o Reduced Documentation:
▪ 12 Months Personal Bank Statements
▪ 12 Months Business Bank Statements with a profit and loss statement
▪ 2 Months Bank Statements (business or personal) supported by a CPA prepared
P&L covering at least 12 months

NO Tax Return Mortgage Lenders Statement Evaluation

Self-employed Oakland CAlifornia CA Self Employed Mortgage Appli CAnts s are eligible for either Personal Bank Statement Documentation or Business
Bank Statement Documentation. The following restrictions apply to both documentation types:
• Oakland CAlifornia CA Self Employed Mortgage Appli CAnts s must be self-employed or be able to prove they have been in the same business line of work for at least 2  consecutive years.Or the Business must be in existence for at least 2 years.
• Standard Tradelines and a 12-month housing history are required.
• Non-Permanent Resident Aliens and Foreign Nationals are ineligible.
• All parties listed on each bank account must be included as Oakland CAlifornia CA Self Employed Mortgage Appli CAnts s on the loan.
• Statements must be consecutive and reflect the most recent months available.
• Statements must support stable and generally predictable deposits. Unusual deposits must be
documented.
• Evidence of a decline in earnings may result in disqualifi CAtion.
• Up to 3 NSF checks and overdraft protection transfers in the most recent 12-month period are
allowed with an explanation from the Oakland CAlifornia CA Self Employed Mortgage Appli CAnts.
• Additional income deposited into the bank statements but derived from a source other than the
self-employed business may not be included in the bank statement average. W-2 earnings CAn
be used to supplement the bank statement income. We will require 2 years W-2’s, 30 days of
most recent paystubs and a 4506t just for W-2 transcripts.
• If bank statements provided reflect payments being made on obligations not listed on the credit
report, we may ask for clarifi CAtion that these are not debts that need to be included into the
DTI.
• Income derived solely from the ownership of rental properties CAnnot be used as the primary
income source on a bank statement loan. Oakland CAlifornia CA Self Employed Mortgage Appli CAnts s who receive rental income as a secondary
income source may utilize Bank Statement Documentation on a CAse-by- CAse basis.

NO Tax Return Mortgage Lenders Documents Continued

Business Bank Statement Documentation is allowed under all programs. See the appli CAble Bank Statement Mortgage Lenders Funding Program Matrix for credit score and LTV restrictions.
The following documentation is required:
• 2, 12, or 24 months complete business bank statements from the same account (transaction
history printouts are not acceptable)
• Business bank accounts, personal bank accounts addressed to a DBA, or personal accounts with
evidence of business expenses CAn be used for qualifi CAtion
• P&L statement (prepared by CPA, licensed tax preparer or Oakland CAlifornia CA Self Employed Mortgage Appli CAnts ) covering the same 2-year
period as the bank statements.
• Business narrative required outlining business CAsh-flows & expenses associated with the
business industry type.
• Oakland CAlifornia CA Self Employed Mortgage Appli CAnts Prepared signed and dated P&L is allowed with an acceptable business narrative
outlining business CAsh-flows & expenses associated with the business industry type.
• Initial signed 1003 with monthly income disclosed. Must be equal to or higher than Net income
on P&L.
• Verifi CAtion Oakland CAlifornia CA Self Employed Mortgage Appli CAnts is 100% owners of business Exception granted if Oakland CAlifornia CA Self Employed Mortgage Appli CAnts owns at least 50% of the business.
• Verifi CAtion of business existence required within 10 CAlendar days of closing
Income CAlculation: Qualifying income is the P&L Net Income average from the validated P&L provided.
The total deposits CAlculated with 2, 12, or 24 months of business bank statements is used solely to
validate self-employed earnings reported on the P&L provided.
P&L Net Income
P&L Net Income is the net income disclosed on the P&L averaged over 2, 12, or 24 months.
P&L Validation
The average of total deposits CAlculated with 2, 12, or 24 months of business bank statements is used
solely to validate self-employed earnings reported on the P&L.
Average deposits over the 12 or 24-month period must support the 2, 12, or 24-month P&L by being no
less than 10% below P&L Average Gross Revenue. If average deposits equal 90% or more of Average
Gross Revenue, the P&L is deemed validated.
The following requirements apply:
• Wire transfers and transfers from other accounts must be documented or excluded from the
CAlculation.
• Statements should show a trend of ending balances that are stable or increasing over time.
Decreasing or negative ending balances must be explained.
• Oakland CAlifornia CA Self Employed Mortgage Lenders will review and validate expenses based on business narrative provided.
• Business expenses must be reasonable for the type of business. Examples of businesses with
higher expense ratios may include construction companies, builders, restaurants and retail
firms.

INCOME FOR NO TAX RETURN MORTGAGE LENDERS

1003 Initial Oakland CAlifornia CA Self Employed Mortgage Appli CAnts Mortgage Appli CAtion Income
• Income disclosed on the initial signed appli CAtion should be reviewed. Income used to qualify
must not exceed income stated on the signed 1003.
PERSONAL BANK STATEMENTS
Personal Bank Statement Documentation is allowed under all programs. See the appli CAble Bank Statement Mortgage Lenders
Funding Product Matrix for credit score and LTV restrictions.
All Non-Agency Loan Programs allow for either 2, 12, or 24 months of bank statements. Maximum DTI
for 12-month option is 43%. See the Non-QM Scenario Desk for exceptions to 50%.
The Investment Property Program allows for only 12 months of bank statements with standard DTI
requirements.
Oakland CAlifornia CA Self Employed Documentation documentation is required:
• 2, 12, or 24 months complete personal bank statements from the same account (transaction
history printouts are not acceptable).
• Multiple bank accounts may be used (combination of business and personal is prohibited unless
income is being used from multiple businesses and each account represents income from a
separate business)
• For Personal Bank statements; all deposits greater than 50% of the monthly deposit average will
require a source and explanation.
o Note: LTV less than or equal to 70% & Credit Tiers 1-3, NOT REQUIRED. *Assets to close
will still be validated.

• Initial signed 1003 with monthly income disclosed
• Verifi CAtion of business existence required within 10 CAlendar days of closing
Income CAlculation: Income CAlculated using personal bank statements must be reviewed alongside
income stated by the Oakland CAlifornia CA Self Employed Mortgage Appli CAnts on the initial signed loan appli CAtion.
• Final income is CAlculated by averaging qualified deposits over the 2, 12, or 24-month period.
Personal Bank Statement Average
The following requirements apply when CAlculating qualifying income using personal bank statements:
• 100% of deposits used for income and averaged over 12 or 24 months
• Transfers between personal accounts should be excluded
• Transfers from a business account into a personal account are acceptable. Additional business
bank statements will be required to establish a history of transfers.

When utilizing reduced doc 2-month bank statement program a 12-month CPA prepared P&L will be
required. The monthly average of the bank statement deposits must validate within 10% of the P&L
annual net income averaged over 12 months.8.2.1.1 Personal Bank Statement Average

The following requirements apply when CAlculating qualifying income using personal bank statements:
• 100% of deposits used for income and averaged over 2, 12, or 24 months

• Transfers between personal accounts should be excluded
• Transfers from a business account into a personal account are acceptable. Additional business
bank statements will be required to establish a history of transfers.
1003 Initial Disclosed Income
Income disclosed on the initial signed appli CAtion should be reviewed. Income used to qualify must not
exceed income stated on the signed 1003.
Professional Investor Program
This is the easiest program that we have. We CAn close these loans in as quick as 2.5 weeks. There are
two main transactions under this program: Purchase & CAsh Out Refi.
FIRST-TIME INVESTOR
A First-Time Investor is a Oakland CAlifornia CA Self Employed Mortgage Appli CAnts who has not owned at least one investment property for at least 12
months anytime during the most recent 12-month period. First-Time Investors are allowed with a 5%
LTV reduction.
OWNERSHIP OF PRIMARY RESIDENCE
All Oakland CAlifornia CA Self Employed Mortgage Appli CAnts s must presently own their primary residence. This requirement may be waived if the
Oakland CAlifornia CA Self Employed Mortgage Appli CAnts CAn clearly demonstrate that the subject property is residential in nature and inferior in size
and quality to their primary residence (leased or owned). The Oakland CAlifornia CA Self Employed Mortgage Appli CAnts must be renting another
residence and the lease must continue for the foreseeable future (minimum of 6 months).
LEASE REQUIREMENTS
For refinance transactions, an executed lease with no less than 3 months remaining at time of close is
required for all units in the subject property. The month-to-month tenancy is not subject to this requirement
with sufficient evidence (such as a signed extension letter). Oakland CAlifornia CA Self Employed Mortgage Lenders does not require proof of lease on
purchase transactions. The property may be va CAnt on a purchase with no 5% LTV reduction.
The following requirements apply to refinance transactions:
• Lease requirements may be waived with a 5% LTV reduction from the maximum LTV allowed per
appli CAble program matrix.
• Original Lease term must be equal to or greater than 1 year. Month to month tenancy is allowed
only as an extension to the original lease term.
• Monthly lease payments must be consistent with market rents

SUMMARY –  Oakland CAlifornia CA Self Employed Bank Statement Mortgage Lenders 

Oakland CAlifornia CA Self Employed Bank Statement Mortgage Lenders 
Oakland CAlifornia CA Self Employed Bank Statement Mortgage Lenders provides two (2) additional documentation options to determine Oakland CAlifornia CA Self Employed Mortgage Appli CAnts Oakland CAlifornia CA Self Employed Mortgage Appli CAnts qualifying income. Under this program either of the following will be acceptable;
 12-months personal bank statements; or
 24-months business bank statements

Transaction Types Bank Statement Mortgage Lenders 
• Purchase
• Rate and Term Refinances
• CAsh-Out  and or Debt Consolidation Refinances

General Requirements Oakland CAlifornia CA Self Employed Bank Statement Mortgage Lenders 
Under this Oakland CAlifornia CA Self Employed Bank Statement Mortgage Lenders, all Oakland CAlifornia CA Self Employed Mortgage Appli CAnts must be Self-employed.

Income CAlculations for Oakland CAlifornia CA Self Employed Bank Statement Mortgage Lenders

Personal Bank Statement Oakland CAlifornia CA Self Employed Bank Statement Mortgage Lenders
The following requirements apply when CAlculating qualifying income using personal bank statements:
• All parties on the bank’s statements must be on the loan; and
• Qualifying income is defined as 100% of deposits, averaged over a twelve (12) month period; and
• Statements must be consecutive and reflect the most recent months available; and
• Transfers from a Oakland CAlifornia CA Self Employed Mortgage Appli CAnts Oakland CAlifornia CA Self Employed Mortgage Appli CAnts business to personal account are allowed; and
• If the bank statements provided reflect payments being made on obligations not listed on the
credit report, refer to Undisclosed Debts for additional guidance.

Business Bank Statements Oakland CAlifornia CA Self Employed Mortgage Lenders
The following requirements apply when CAlculating qualifying income using business bank statements:
•Oakland CAlifornia CA Self Employed mortgage appli CAnts must be 100% owner of the business to use 100% of the income; and
• Qualifying income is defined as, the total deposits, less the percent of business expenses,
annualized.

The expense to Income Ratio For Business Bank Statement Only Mortgage Lenders
The percentage of expenses used to determine the Oakland CAlifornia CA Self Employed Mortgage Appli CAnts Oakland CAlifornia CA Self Employed Mortgage Appli CAnts qualifying income CA Bank Statement Self Employed Mortgage Lendersn never less than 35%
of the total deposits. For underwriting purposes, a Business Expense, CPA Statements or Profit and Loss Statements reflecting an expense ratio of less than the minimum required (5%), the percentage used to determine the qualifying
income will be adjusted to the minimum expense ratio determined by Oakland CAlifornia CA Self Employed bank statement mortgage lenders..

Documentation Requirements Oakland CAlifornia CA Self Employed Bank Statement Mortgage Lenders
Most recent twelve (12) months consecutive bank statements
IRS transcripts are not required under the personal bank statement program. In the event one or more Oakland CAlifornia CA Self Employed Mortgage Appli CAnts (s)
are wage earnersIRS transcripts are still not required.

Verified Documentation Requirements Provided By Unbiased Observer
A Third Party or CPA prepared Business Expense Statement or Profit and Loss Statements, which is no less than
90-days old at the time closing must specify the total business expenses as a percent of the gross
revenue from the business bank statement deposits.  Twenty-four (24) month business bank statements covering the same time period as the Business Expense
Statement.

1003 Oakland CAlifornia CA Self Employed Mortgage Lenders Initial Disclosed Income Appli CAtion
Income disclosed on the initial signed appli CAtion should be reviewed. If the income CAlculated is signifi CAntly
higher than income stated on 1003, the underwriter should request an explanation from the Oakland CAlifornia CA Self Employed Mortgage Appli CAnts todetermine the acceptability of the income.

Program Restrictions For Oakland CAlifornia CA Self Employed Bank Statement Mortgage Lenders
The following restrictions apply when using bank statement documentation:
• The Oakland CAlifornia CA Self Employed Mortgage Appli CAnts must qualify with Standard Trade Lines as per Trade Line Requirements section.
• Non-permanent resident aliens and foreign nationals are not eligible.
• Payroll deposits into accounts from other employment must be reflected as direct deposits and
may not be included in the bank statement average. W-2 earnings must be documented as per the
requirements in the Salaried/Wage-Earners section.
• A consistent pattern of withdrawals exceeding deposits on a monthly basis or evidence of a decline
in earnings may result in disqualifi CAtion.
• NSF and overdraft activity must be reviewed for acceptability.
• Income derived solely from the ownership of rental properties must be CAlculated per the
requirements in Rental Income section. Oakland CAlifornia CA Self Employed Mortgage Appli CAnts Oakland CAlifornia CA Self Employed Mortgage Appli CAnts who receive rental income as a secondary
income source may utilize bank statement documentation on a CAse-by- CAse basis.
• Non-Profit organizations are not eligible under the Business Bank Statement Program.

Occupancy Requirments for Oakland CAlifornia CA Self Employed Bank Statement Mortgage Lenders
Owner-Occupied & Second Home only
Investment properties limited to purchase transactions only

Second Home Mortgage Oakland CAlifornia CA Self Employed Mortgage Appli CAnts  Eligibility Requirements:
• Must be lo CAted a reasonable distance away from the Oakland CAlifornia CA Self Employed Mortgage Appli CAnts’ principal residence and occupied
by the Oakland CAlifornia CA Self Employed Mortgage Appli CAnts for some portion of the year.
• Must be lo CAted in a va CAtion area or an explanation for a second home is required and must be
reviewed by the Underwriter.
• Restricted to one unit dwellings
Must be suitable for year-round occupancy
• The Oakland CAlifornia CA Self Employed Mortgage Appli CAnts must have exclusive control over the property. The property CAnnot be rented
seasonally or otherwise for any portion of the year, regardless of whether rental income is claimed
on tax returns.
• CAnnot be subject to any agreements that give a management firm control over the occupancy of
the property

Oakland CA Bank Statement Self Employed Mortgage Lenders Self Employed Mortgage Lenders
CAlifornia Self Employed Mortgage Lenders Type County Population Area Code(s)
CAlifornia Self Employed Mortgage Lenders 94601 Standard Alameda 50,294 510
CAlifornia Self Employed Mortgage Lenders 94602 Standard Alameda 28,329 510
CAlifornia Self Employed Mortgage Lenders 94603 Standard Alameda 31,403 510
CAlifornia Self Employed Mortgage Lenders 94604 P.O. Box Alameda 0 510 / 415 / 925
CAlifornia Self Employed Mortgage Lenders 94605 Standard Alameda 39,016 510
CAlifornia Self Employed Mortgage Lenders 94606 Standard Alameda 36,672 510
CAlifornia Self Employed Mortgage Lenders 94607 Standard Alameda 24,978 510 / 415
CAlifornia Self Employed Mortgage Lenders 94608 Standard Alameda 28,019 510
CAlifornia Self Employed Mortgage Lenders 94609 Standard Alameda 20,596 510
CAlifornia Self Employed Mortgage Lenders 94610 Standard Alameda 29,287 510 / 415
CAlifornia Self Employed Mortgage Lenders 94611 Standard Alameda 36,565 510
CAlifornia Self Employed Mortgage Lenders 94612 Standard Alameda 14,389 510 / 415 / 925
CAlifornia Self Employed Mortgage Lenders 94613 P.O. Box Alameda 715 510
CAlifornia Self Employed Mortgage Lenders 94614 P.O. Box Alameda 0 510 / 415 / 925
CAlifornia Self Employed Mortgage Lenders 94615 Standard Alameda 0 510 / 415 / 925
CAlifornia Self Employed Mortgage Lenders 94617 Standard Alameda 0 510 / 415 / 925
CAlifornia Self Employed Mortgage Lenders 94618 Standard Alameda 16,046 510
CAlifornia Self Employed Mortgage Lenders 94619 Standard Alameda 23,299 510
CAlifornia Self Employed Mortgage Lenders 94620 P.O. Box Alameda 0 510 / 415 / 925
CAlifornia Self Employed Mortgage Lenders 94621 Standard Alameda 29,870 510
CAlifornia Self Employed Mortgage Lenders 94622 Unique Alameda 0 510 / 415 / 925
CAlifornia Self Employed Mortgage Lenders 94623 P.O. Box Alameda 0 510 / 415 / 925
CAlifornia Self Employed Mortgage Lenders 94624 P.O. Box Alameda 0 510 / 415 / 925
CAlifornia Self Employed Mortgage Lenders 94649 Unique Alameda 0 510 / 415 / 925
CAlifornia Self Employed Mortgage Lenders 94659 Unique Alameda 0 510 / 415 / 925
CAlifornia Self Employed Mortgage Lenders 94660 Unique Alameda 0 510 / 415 / 925
CAlifornia Self Employed Mortgage Lenders 94661 P.O. Box Alameda 0 510 / 415 / 925
CAlifornia Self Employed Mortgage Lenders 94662 P.O. Box Alameda 0 510
CAlifornia Self Employed Mortgage Lenders 94666 Unique Alameda 0 510 / 415 / 925
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