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Bank Statement Only Georgia Mortgage Lenders 

Bank Statement Only Georgia Mortgage Lenders 

Self Employed Georgia Mortgage Program 

The bank statement only mortgage loan program is for home buyers and home owners that have recently turned down by a local bank for lack of income reported. Self Employed Georgia mortgage applicants can document their income by providing 12 months personal or 24 months business bank statements in lieu of conventional full documented 1040 IRS tax returns to provide sufficient income. In addition, W-2 and pay stub for income documentation can be used for additional income. For primary homes the bank statement loan program does not have a prepayment penalty, Georgia bank statement borrowers can refinance at any time to obtain a lower rate or take cash out. 

Self Employed Mortgage Guidelines and Highlights 

  • Purpose: Primary, Second Home, Investment Purchase OK! 
  • Purchase, Rate and Term refinance and Cash Out Refinance OK! 
  • Bank Statement Only Georgia Mortgage Lenders Income Documentation: 
  • Unconventional – 12 months Bank Statements for personal bank statements or 
  • Unconventional – 24 months Business Bank Statements. 
  • PLEASE NOTE: Both 12 and 24 months bank statement programs require that you prove that you have been in business for at least 2 years. 

Employment Type: 

  • Self Employed 
  • W-2 Salary Wage Earner 

Credit Qualifying Criteria:  

  • Minimum 580 FIco 
  • Mortgage history – 1 30 day late for last 12 months 
  • Bankruptcy seasoning: – 1 day 
  • Foreclosure seasoning – 1 day 
  • Short Sale – 1 day 

Georgia Bank Statement Only Lenders Loan To Value 

  • Loan to Value ratio (LTV) up to 90% 
  • Debt to Income Ration (DTI): Up To 50% 
  • Maximum Loan amount: $2,000,000 

Property Types: 

  • Single Family Residence (SFR) 
  • Condo, Townhouse, Villas 
  • 1-4 Units 

Bank Statement Only Occupancy: Owner Occupied / Primary Investment Terms: 

  • 30 years Fixed 
  • 15 years Fixed 
  • 7-year ARM 
  • 5 Year Arm 
  • 3 Year Arm 
  • No Prepayment Penalty 

Bank Statement Only Mortgage Lenders In All Georgia Cities

  • Abbeville
  • Acworth
  • Adairsville
  • Adel
  • Adrian
  • Ailey
  • Alamo
  • Alapaha
  • Albany
  • Aldora
  • Allenhurst
  • Allentown
  • Alma
  • Alpharetta
  • Alston
  • Alto
  • Ambrose
  • Americus
  • Andersonville
  • Arabi
  • Aragon
  • Arcade
  • Argyle
  • Arlington
  • Arnoldsville
  • Ashburn
  • Athens
  • Atlanta
  • Attapulgus
  • Auburn
  • Augusta
  • Austell
  • Avalon
  • Avera
  • Avondale Estates
  • Baconton
  • Bainbridge
  • Baldwin
  • Ball Ground
  • Barnesville
  • Bartow
  • Barwick
  • Baxley
  • Bellville
  • Belvedere Park
  • Berkeley Lake
  • Berlin
  • Bethlehem
  • Between
  • Bishop
  • Blackshear
  • Blairsville
  • Blakely
  • Bloomingdale
  • Blue Ridge
  • Bluffton
  • Blythe
  • Bogart
  • Bonanza
  • Boston
  • Bostwick
  • Bowdon
  • Bowersville
  • Bowman
  • Boykin
  • Braselton
  • Braswell
  • Bremen
  • Brinson
  • Bronwood
  • Brooklet
  • Brooks
  • Broxton
  • Brunswick
  • Buchanan
  • Buckhead
  • Buena Vista
  • Buford
  • Butler
  • Byromville
  • Byron
  • Cadwell
  • Cairo
  • Calhoun
  • Calvary
  • Camak
  • Camilla
  • Candler-McAfee
  • Canon
  • Canoochee
  • Canton
  • Carl
  • Carlton
  • Carnesville
  • Carrollton
  • Cartersville
  • Cave Spring
  • Cecil
  • Cedar Springs
  • Cedartown
  • Centerville
  • Centralhatchee
  • Chamblee
  • Chatsworth
  • Chattahoochee Hills
  • Chattanooga Valley
  • Chauncey
  • Cherry Log
  • Chester
  • Chickamauga
  • Clarkesville
  • Clarkston
  • Claxton
  • Clayton
  • Clermont
  • Cleveland
  • Climax
  • Cobbtown
  • Cochran
  • Cohutta
  • Colbert
  • Coleman
  • College Park
  • Collins
  • Colquitt
  • Columbus
  • Comer
  • Commerce
  • Concord
  • Conley
  • Conyers
  • Coolidge
  • Cordele
  • Cornelia
  • Country Club Estates
  • Covington
  • Crawford
  • Crawfordville
  • Crooked Creek
  • Culloden
  • Cumming
  • Cusseta-Chattahoochee County
  • Cuthbert
  • Dacula
  • Dahlonega
  • Daisy
  • Dallas
  • Dalton
  • Damascus
  • Danielsville
  • Danville
  • Darien
  • Dasher
  • Davisboro
  • Dawson
  • Dawsonville
  • De Soto
  • Dearing
  • Decatur
  • Deenwood
  • Deepstep
  • Demorest
  • Denton
  • Dewy Rose
  • Dexter
  • Dillard
  • Dock Junction
  • Doerun
  • Donalsonville
  • Dooling
  • Doraville
  • Douglas
  • Douglasville
  • Druid Hills
  • Du Pont
  • Dublin
  • Dudley
  • Duluth
  • Dunwoody
  • Dutch Island
  • Eagle Grove
  • East Dublin
  • East Ellijay
  • East Griffin
  • East Newnan
  • East Point
  • Eastman
  • Eatonton
  • Edge Hill
  • Edison
  • Elberton
  • Ellaville
  • Ellenton
  • Ellijay
  • Emerson
  • Empire
  • Enigma
  • Ephesus
  • Epworth
  • Eton
  • Euharlee
  • Evans
  • Experiment
  • Fair Oaks
  • Fairburn
  • Fairmount
  • Fairview
  • Fargo
  • Fayetteville
  • Fitzgerald
  • Flemington
  • Flovilla
  • Flowery Branch
  • Folkston
  • Forest Park
  • Forsyth
  • Fort Gaines
  • Fort Oglethorpe
  • Fort Stewart
  • Fort Valley
  • Franklin
  • Franklin Springs
  • Funston
  • Gainesville
  • Garden City
  • Garfield
  • Gay
  • Geneva
  • Georgetown
  • Georgetown-Quitman County
  • Gibson
  • Gillsville
  • Girard
  • Glennville
  • Glenwood
  • Good Hope
  • Gordon
  • Graham
  • Grantville
  • Gray
  • Grayson
  • Greensboro
  • Greenville
  • Gresham Park
  • Griffin
  • Grovetown
  • Gumbranch
  • Gumlog
  • Guyton
  • Hagan
  • Hahira
  • Hamilton
  • Hampton
  • Hannahs Mill
  • Hapeville
  • Haralson
  • Hardwick
  • Harlem
  • Harrison
  • Hartwell
  • Hawkinsville
  • Hazlehurst
  • Helen
  • Helena
  • Henderson
  • Hephzibah
  • Heron Bay
  • Hiawassee
  • Higgston
  • Hilltop
  • Hiltonia
  • Hinesville
  • Hiram
  • Hoboken
  • Hogansville
  • Holly Springs
  • Homeland
  • Homer
  • Homerville
  • Hoschton
  • Howard
  • Hull
  • Ideal
  • Ila
  • Indian Springs
  • Iron City
  • Irondale
  • Irwinton
  • Isle of Hope
  • Ivey
  • Jackson
  • Jacksonville
  • Jakin
  • Jasper
  • Jefferson
  • Jeffersonville
  • Jenkinsburg
  • Jersey
  • Jesup
  • Johns Creek
  • Jonesboro
  • Junction City
  • Kennesaw
  • Keysville
  • Kings Bay Base
  • Kingsland
  • Kingston
  • Kite
  • Knoxville
  • LaFayette
  • LaGrange
  • Lake City
  • Lake Park
  • Lakeland
  • Lakeview
  • Lakeview Estates
  • Lavonia
  • Lawrenceville
  • Leary
  • Leesburg
  • Lenox
  • Leslie
  • Lexington
  • Lilburn
  • Lilly
  • Lincoln Park
  • Lincolnton
  • Lindale
  • Lithia Springs
  • Lithonia
  • Locust Grove
  • Loganville
  • Lone Oak
  • Lookout Mountain
  • Louisville
  • Lovejoy
  • Ludowici
  • Lula
  • Lumber City
  • Lumpkin
  • Luthersville
  • Lyerly
  • Lyons
  • Mableton
  • Madison
  • Manassas
  • Manchester
  • Mansfield
  • Marietta
  • Marshallville
  • Martin
  • Martinez
  • Matthews
  • Maxeys
  • Maysville
  • McCaysville
  • McDonough
  • McIntyre
  • McRae
  • Meansville
  • Meigs
  • Mendes
  • Menlo
  • Metter
  • Midville
  • Midway
  • Milan
  • Milledgeville
  • Millen
  • Milner
  • Milton
  • Mineral Bluff
  • Mitchell
  • Molena
  • Monroe
  • Montezuma
  • Montgomery
  • Monticello
  • Montrose
  • Moody AFB
  • Moreland
  • Morgan
  • Morganton
  • Morrow
  • Morven
  • Moultrie
  • Mount Airy
  • Mount Vernon
  • Mount Zion
  • Mountain City
  • Mountain Park
  • Mountain Park CDP
  • Nahunta
  • Nashville
  • Nelson
  • Newborn
  • Newington
  • Newnan
  • Newton
  • Nicholls
  • Nicholson
  • Norcross
  • Norman Park
  • Norristown
  • North Decatur
  • North Druid Hills
  • North High Shoals
  • Norwood
  • Nunez
  • Oak Park
  • Oakwood
  • Ochlocknee
  • Ocilla
  • Oconee
  • Odum
  • Offerman
  • Oglethorpe
  • Oliver
  • Omega
  • Orchard Hill
  • Oxford
  • Palmetto
  • Panthersville
  • Parrott
  • Patterson
  • Pavo
  • Payne
  • Peachtree City
  • Pearson
  • Pelham
  • Pembroke
  • Pendergrass
  • Perkins
  • Perry
  • Phillipsburg
  • Pine Lake
  • Pine Mountain
  • Pinehurst
  • Pineview
  • Pitts
  • Plains
  • Plainville
  • Pooler
  • Port Wentworth
  • Portal
  • Porterdale
  • Poulan
  • Powder Springs
  • Pulaski
  • Putney
  • Quitman
  • Ranger
  • Raoul
  • Ray City
  • Rayle
  • Rebecca
  • Redan
  • Reed Creek
  • Register
  • Reidsville
  • Remerton
  • Rentz
  • Resaca
  • Rest Haven
  • Reynolds
  • Rhine
  • Riceboro
  • Richland
  • Richmond Hill
  • Riddleville
  • Rincon
  • Ringgold
  • Riverdale
  • Riverside
  • Roberta
  • Robins AFB
  • Rochelle
  • Rockingham
  • Rockmart
  • Rocky Ford
  • Rome
  • Roopville
  • Rossville
  • Roswell
  • Royston
  • Russell
  • Rutledge
  • Sale City
  • Salem
  • Sandersville
  • Sandy Springs
  • Santa Claus
  • Sardis
  • Sasser
  • Satilla
  • Sautee Nacoochee
  • Savannah
  • Scotland
  • Scottdale
  • Screven
  • Senoia
  • Seville
  • Shady Dale
  • Shannon
  • Sharon
  • Sharpsburg
  • Shellman
  • Shiloh
  • Siloam
  • Skidaway Island
  • Sky Valley
  • Smithville
  • Smyrna
  • Snellville
  • Social Circle
  • Soperton
  • Sparks
  • Sparta
  • Springfield
  • St. Marys
  • St. Simons
  • Stapleton
  • Statenville
  • Statesboro
  • Statham
  • Stillmore
  • Stockbridge
  • Stone Mountain
  • Sugar Hill
  • Summertown
  • Summerville
  • Sumner
  • Sunny Side
  • Sunnyside
  • Sunset Village
  • Surrency
  • Suwanee
  • Swainsboro
  • Sycamore
  • Sylvania
  • Sylvester
  • Talahi Island
  • Talbotton
  • Talking Rock
  • Tallapoosa
  • Tallulah Falls
  • Talmo
  • Tarrytown
  • Tate City
  • Taylorsville
  • Temple
  • Tennille
  • The Rock
  • Thomaston
  • Thomasville
  • Thomson
  • Thunderbolt
  • Tifton
  • Tiger
  • Tignall
  • Toccoa
  • Toomsboro
  • Trenton
  • Trion
  • Tucker
  • Tunnel Hill
  • Turin
  • Twin City
  • Ty Ty
  • Tybee Island
  • Tyrone
  • Unadilla
  • Union City
  • Union Point
  • Unionville
  • Uvalda
  • Valdosta
  • Varnell
  • Vernonburg
  • Vidalia
  • Vidette
  • Vienna
  • Villa Rica
  • Vinings
  • Waco
  • Wadley
  • Waleska
  • Walnut Grove
  • Walthourville
  • Warm Springs
  • Warner Robins
  • Warrenton
  • Warwick
  • Washington
  • Watkinsville
  • Waverly Hall
  • Waycross
  • Waynesboro
  • Webster County
  • West Point
  • Whigham
  • White
  • White Plains
  • Whitemarsh Island
  • Whitesburg
  • Willacoochee
  • Williamson
  • Wilmington Island
  • Winder
  • Winterville
  • Woodbine
  • Woodbury
  • Woodland
  • Woodstock
  • Woodville
  • Woolsey
  • Wrens
  • Wrightsville
  • Yatesville
  • Yonah
  • Young Harris
  • Zebulon

About Us

We are US Mortgage Lenders. Major real estate brokerages regularly entrust their clients to our team due to our reputation for transparency, delivering on time, customer satisfaction and loyalty. With five-star customer reviews on Zillow.com and counting, you’re assured of having the backing of an experienced team.

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