Smart Home Financing
Bank-Verified Loans
Bank-Verified Loans
Bank-Verified Loans
"Provide 12 months of PERSONAL OR BUSINESS bank statements to qualify for our loan products, with some requiring even less. Applicants who can submit 24 months of statements may enjoy better rates and terms.
Explore our loan programs that require no income verification today!"
Who Qualifies?
Bank-Verified Loans
Bank-Verified Loans
- Self–employed applicants.
- Independent contractors
- Movie/ Set employees.
- Workers with seasonal income
- 1099 freelancers
- Other earners with irregular income streams
- CSDR Investment loans
How It Works
Bank-Verified Loans
1099 & No Income
"Experience a hassle-free mortgage process with our Non-traditional lending + No income qualifying loans program that eliminates the need for tax returns. Our bank statement mortgage program allows you to verify your income through documented bank deposits, bypassing tax form requirements. By summing up your total deposits over a specific period, we utilize a proven formula to accurately determine your income, providing you with a seamless pathway with alternative lending to homeownership."
1099 & No Income
1099 & No Income
Are you self–employed / 1099 but show minimal income on your tax return?
You make the money but don't claim all your income on your tax return?
- We have a 1099 Form loan
Using 1099 income for one or two years
Average income over the two years
- HOT!!! No Income Verification - 20% down payment
Credit score only product
No Income documents required
Fast Closings
- Alternative Income Verification Loan
Asset-Backed Loans
- Self–employed but show minimal income
- Retired (or almost retired)
- You make relatively minimal income or none at all
- You have no verifiable employment.
You have funds in a 401K or savings. Also known as ‘asset dissipation,’ asset depletion is a way to qualify for a loan using substantial assets rather than income from employment- Call us for details.
Drawbacks of the Program
"Unlock the opportunity to own a home with our Bank Statement or Alternative Income Verification loan programs. Enjoy the advantage of homeownership, while it's important to note that these programs may entail slightly higher interest rates and down payment requirements, often ranging from 10% or more. Rest assured; our dedicated team will guide you through the process, ensuring a smooth and accessible path to your dream home with Non-traditional lending .
While Asset Depletion offers attractive interest rates at the standard GSE rates we provide, it's essential to consider the downside of this program, which necessitates a down payment of 20% or more. Additionally, applicants must meet credit score requirements of 680+. Despite the higher down payment, rest assured that our team will work diligently to ensure a seamless process and help you leverage your assets effectively to secure your ideal home at competitive interest rates.