Top Self Employed bank statement programs are for self employed, independent contractors, or people who are not able to disclose certain information on their yearly tax return. 12 to 24 month personal or business bank statements is all we need to prequalify/verify your income. Its that simple! Top Self Employed bank statement program is the key to any business owner who is buying their forever home, refinancing rate/term, or pulling out equity from primary or investment property.
What you would need for submission for a Top Self Employed Bank Statement Program
- 12-24 Months Bank Statements (business or personal)
- Copy of Business License (3 years)
- CPA Letter (stating you are 100% owner, you have been in business for 2 years and they have done your taxes for two years | Also list your current expense ratio and the CPA License Number)
- Purchase Contract (for purchase)
- Current Mortgage Statement (for refinance)
- Hazard Insurance Dec Page or New Quote for purchase
- Copy of your Driver License (front and back)
Top Self Employed Bank Statement Program Highlights
- 12 and 24 month Bank Statement options available.
- Up to 90% LTV (on Purchases & R/T Refinances)
- Borrower and Lender paid points available.
- Must have 2 years verifiable self employment income.
- No Tax Returns
- No 4506T
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Needs for Quote (email Adam the following)
- Property Address
- Purchase Price (for Purchase)
- Property “as is” Value
- Current Balance (for Refinance)
- Total Monthly Rents (confirm if long term or short term Airbnb leases)
- Monthly Taxes and Insurance
- Middle Credit Score
- Vesting in and Entity or Individual name
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