BANK STATEMENT ONLY GEORGIA MORTGAGE LENDERS

STATED GA MORTGAGE LENDERS+STATED GA HOME LOANS

Georgia Mortgage Lenders 24-Month Bank Statement Loan Program.

Georgia Bank Statement Only Mortgage Lenders Summary

  • No tax returns required!
  • 12 or 24 months bank statements now available (Personal and Business)
  • Loans up to $3 million
  • Credit scores down to 600
  • Rates starting in the low 5’s
  • Up to 90% LTV
  • DTI up to 50% considered
  • Owner-occupied, 2nd homes, and investment properties
  • 2 years seasoning for foreclosure, short sale, BK, DIL
  • Non-warrantable condos considered
  • Jumbo loans down to 660 score
  • 5/1 ARM or 30-year fixed
  • No pre-payment penalty for owner-occ and 2nd homes
  • SFRs, townhomes, condos, 2-4 units
  • Seller concessions to 6% (2% for investment)
  • 2 year self-employed required

SAME DAY PRE APPROVALS!

Self Employed GA mortgage applicants that write off all of their income can now use our bank statement only mortgage program to qualify their income using the following 2 documents:

  1. Bank Statement Lenders Worksheet
  2. Bank Statement Lenders 24 Month Profit and Loss Statement Request

Georgia Bank Statement Only Mortgage Lenders

Most suitable for GA borrowers who have irregular cash flows, want to reap a tax benefit while purchasing a home, or to free up cash for investment opportunities.

– Qualify based on a 24 month average of deposits in personal or business accounts
– 10 year interest only period
– Primary residences, 2nd homes and investment properties allowed
– Bank Statment only loan amounts to $2,000,000

GEORGIA BANK STATEMENT ONLY KEY POINTS:

  • Business or Personal Statements to 90%LTV!!!
    • 100% of Deposits for Personal Statements! or
    • 100% of Deposits for Business Statements!
    • Don’t look at Withdrawals!
    • Don’t look at Overdrafts!
    • No P&L!
    • No Reserves!

GEORGIA BANK STATEMENT ONLY GENERAL LENDING CRITERIA 

 

We have multiple private Bank statement only GA Lenders. Case by case business bank statment conditions subject to change without notice. 

90% LTV – after Foreclosure, Short Sale or BK

Our Stated and Bank Statement Only Loan Approvals Up to $3,000,000 Loan Amounts

BANK STATEMENT ONLY MORTGAGE LENDERS REQUIREMENTS                  

  1. Min 500 FICO!
  2. 24 Months of Statement deposits
  3. Owner Occ. w/ 600 Fico, Non Owner & 2nd Homes w/500 Fico
  4. Self Employed and 1099 borrowers only
  5. Only 6 NSF’s in most recent 12 months
  6. P & L

FOR SAME DAY PRE APPROVAL! FREE NO OBLIGATION CONSOLATION 

24 Months Bank Statement Only Georgia Employment Types:

  • Self Employed
  • 1099
    o Must provide business license, Tax Preparer’s NOT Audited letter or corporate paperwork.

US Mortgage Lenders will accept Personal or Business Bank Statements.  However, qualifying income will be calculated differently.

Georgia Personal Bank Statements:  100% of Deposits- Add all deposits for all 24 months and divide that amount by 24 to receive the monthly income amount we will apply as the borrower’s qualifying income.

Ex. 24 months deposits total = $200,000 / 24 = $8,333 a month income.

Georgia Business Bank Statements:  50% of Deposits- Add all deposits for all 24 months, divide by 2, and then divide by 24 to receive the monthly income amount we will give to the borrower.

Ex. 24 month deposit total = $500,000 / 2 = $250,000 / 24 = $10,333 a month income. * Only 50% is used because we have to assume the business has overhead.

Details of Georgia Bank Statement Only Lenders Program:

Personal & Business Guidelines

  • Only deposits can be used Transfers are NOT counted on personal and case-by-case for business*
  • Must have 24 consecutive months of statements (no gaps)
  • Must provide All pages (even the last pages with advertising)
  • Can not commingle (use two different accounts) statements**
  • If account was used and closed and new account for remainder of statements must show closing of old account and opening of new account

Georgia bank Transfers may be accepted for business statements when they come from credit card clearing houses (examples: Paypal, Square, AMEX, etcetera).  Case-by-Case and must be considered normal for the Georgia company.

Georgia Multiple bank accounts are considered on a case-by-case when (a) one account is closing and reopening new account, or (b) for Business accounts that are two different and autonomous Georgia businesses.

STATED GA MORTGAGE LENDERSSTATED GA HOME LOANS

BANK STATEMENT ONLY GEORGIA MORTGAGE LINKS

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