Are You Self-Employed? Are You Concerned For A Mortgage Loan Pre-qualification? Have You Been Declined By A Bank or Broker?
Bank Statement Mortgage Loan
We have a great respect to self- employed customer like you who worked so hard to contribute on our economy to grow. We know the difficulties to get a loan approval when you are looking to purchase a home. In order to make your process as smooth and streamlined as possible, Goldwater Bank is offering several loan program including 12 months bank statements, W2 only, assets verification based mortgage loan, and high DTI (Loan To Income) ratio to help counteract these issues. We offer a Bank Statement Program for self-employed borrowers as well as those whose employment histories and tax returns may not reflect their viability for a mortgage.
- Personal or business bank statements (12 months)
- No tax returns required
- Borrow up to 90% of the value of the home
- Gift checks are acceptable for down payment
- Debt-to-income ratio up to 90% LTV
- Loans up to $5 million
- For primary, secondary homes and investment properties
- All types of properties including non-warrantable condominiums
- 30-year fixed rate — no pre-payment penalty
- Minimum 580 credit score with higher LTV