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Mortgages Without Tax Returns or W2s

 

The Bank Statement Loan program is our leading option for many utilizing our AMP Suite. Bank statement loans are nontraditional loans or expanded criteria loans that allow other forms of documentation to prove the ability to repay. Just as it sounds, a bank statement loan allows the borrower to verify his or her income with bank statements.

 

Advantages of a Bank Statement Loan

  • Qualify with monthly bank statements using an average of your total deposits.

  • The lender can look at 12 or 24-month bank statements.

  • You can get a bank statement home loan for as little as 10 percent down.

  • First-time homebuyers are allowed, restrictions may apply.

  • Typically, we will accept a debt-to-income ratio of a maximum of 50 percent. * (1)

  • You can borrow up to $3 million. * (2)

 

Criteria for Bank Statment Loans

  • Must be a business owner or self-employed for at least two years.

  • Must have a credit score of 660 or above.

  • Loan amount between $150,000 and $3,000,000. *(2)

  • Must have 12 or 24 months of Bank Statements.

  • Up to 80% LTV.

  • Applicants must own 25% or more of the business.

(1) Exceptions allowed on case-by-case basis.

(2) Maximum loan amount exceptions on a case-by-case basis. Additional criteria may apply.

 

There are typical borrowers who qualify for typical home loans, and then there are specialty borrowers with situations that are just different enough to require a little extra analysis. We are proud to offer a range of products designed for many kinds of above-average borrowers - enter Arcstone Financial's Accessible Mortgage Program or AMP.

AMP is a Non-QM or Non-Qualified Mortgage product, to learn more about these programs, please reach out to your Arcstone Financial Mortgage specialist.


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NMLS     |     FAIR LENDER     |     FAIR HOUSING

Equal Opportunity Housing. Arcstone Financial Inc. is a California Corporation licensed by the Department of Real Estate, License #01468445, NMLS# 344236. Information subject to change without notice. This is not an offer for extension of credit or a commitment to lend. All rates, fees, and programs are subject to change and/or withdrawal from the lending practices without notice. Eligibility can vary based on meeting minimum credit score/tradeline, documentation, Loan to Value, and occupancy. Ask to speak with a home loan consultant for a pre-qualification/pre-approval or an approval.

1917 Hillhurst Ave., Suite 203

Los Angeles, CA 90027
323-665-5000 | 800-830-5626

info@arcstoneinc.com

NMLS     |     FAIR LENDER     |     FAIR HOUSING

Equal Opportunity Housing. Arcstone Financial Inc. is a California Corporation licensed by the Department of Real Estate, License #01468445, NMLS# 344236. Information subject to change without notice. This is not an offer for extension of credit or a commitment to lend. All rates, fees, and programs are subject to change and/or withdrawal from the lending practices without notice. Eligibility can vary based on meeting minimum credit score/tradeline, documentation, Loan to Value, and occupancy. Ask to speak with a home loan consultant for a pre-qualification/pre-approval or an approval.