Individualize Your Loan Options

Your self-employed borrowers have unique financial requirements. That is why we're always prepared to assist you and set the right expectations by providing individualized loan options designed to benefit everyone.

Highlights for Self-Employed Borrowers:

• Max Loan $4M
• Min Loan $125K
• Purchase, Rate and Term, Cash Out
• Primary, Investment, Second Homes
• Cash Out:
  • LTV>=70% $500K
  • LTV>50% and <70% $1M
  • LTV<=50% Unlimited
• 40-Year Fixed Term Available
• 1-Month Asset Seasoning
• Gift Funds Allowed

2-Months Bank Statements

• Min 580 FICO Score
• Max 90% LTV
• Max DTI 50%
• Uses CPA or Tax Preparer P&L
  Covering 12 or 24 Consecutive Months
• 2-Months Business or Co-Mingled Bank Statements
• Net Income Divided into 12 or 24 Months
  = Monthly Qualifying Income
• Min 50% Ownership in Business

P&L Only

• Min 660 FICO Score
• Max 80% LTV
• Max DTI 43%
• CPA or Tax Preparer P&L ONLY
• Net Income Divided into 12 or 24 Months
  = Monthly Qualifying Income
• Min 50% Ownership in Business

Form 1099

• Min 580 FICO Score
• Max 90% LTV
• Max DTI 50%
• 1-Year or 2-Year Form 1099
• Average Income Over 1 or 2 Years
• Automatic 10% Expense Factor Applied
• YTD Earnings Required
• 4506T on 1099 Form ONLY