BANK STATEMENT ONLY SELF EMPLOYED TEXAS MORTGAGE LENDERS

BORROWERS MUST BE SELF-EMPLOYED TO QUALIFY FOR THIS PROGRAM

BANK STATEMENT ONLY TEXAS BANK STATEMENT ONLY TEXAS BANK STATEMENT ONLY TEXAS MORTGAGE LENDERS PROPERTY TYPES INCLUDE: Single Family Residences1-4 Units (3-4 Units NOO Only), PUDs*, Townhouses, Condominiums (Warrantable Only)

BANK STATMENT ONLY TEXAS MORTGAGE DOCUMENT REQUIREMENTS
(1) 12 or 24 months Personal or 24 months Business Bank statements
 Borrowers who own more than 3 businesses must use personal bank statements option
 Bank statements must be most recent available at time of application and must be consecutive
 The two most recent months must be pulled by the originator directly from the financial institution, certified true by a bank officer, validated by a written
VOD, or confirmed by a third part direct pull service.
(2) Profit & Loss Statement/Annual Earnings Summary (“AES”)
 If submitting personal bank statements, a P&L prepared by the borrower covering no less than 12 or 24 months is required
 If submitting business bank statements, a P&L prepared by the borrower covering no less than 24 months is required
 The borrower is required to provide separate P&Ls for each business being used in qualifying.
(3) Validation of a minimum of 2 years existence of the business from one of the following: Business License, Letter from Tax Preparer, Secretary of State Filing or
equivalent

BANK STATEMENT ONLY TEXAS MORTGAGE LENDERS ANALYSIS
• Eligible deposits from the bank statements should generally be within +/- 10% of the gross income (business accounts) or net income (personal accounts) as
shown on the P&L/AES.
• An Income calculated with bank statement documentation should be consistent with income documented by the borrower on the loan application
• Borrowers income on  loan application should never be used for qualifying, even if it is less than the P&L income calculated above
• Any deposits into a personal account deemed to derive from a source other than the business (rents, SSI, joint account holder wage income, IRS refunds)
must be excluded from the analysis
• NSFs require a borrower LOE to evaluate that they are not due to financial mishandling and/or indicative of insufficient income
• NSFs should be covered with deposits shortly after they are incurred.
• Unusually large deposits (as defined by Fannie Mae) into personal accounts must be documented and explained via LOE.
• Transaction history printouts are not acceptable.
• Multiple bank accounts may be used.
• Co-mingling of personal and business receipts and expenses in Personal Bank Accounts is not permitted. Evidence of comingling will require the loan to be
submitted and qualified as a business bank statement loan.
• If personal bank statements provided reflect payments being made on obligations not listed on the credit report, a thorough analysis must be performed and
LOE provided from the borrower, as outlined below.
PROFIT & LOSS ANALYSIS/ANNUAL EARNINGS SUMMARY
• Net Income from the P&L/AES will be used as Qualifying Income for both personal and business bank statements.
• Any amounts on the P&L/AES representing salary/wages paid to the borrower/business owner can be added back and considered in the net income analysis.
• Expense line items that can be added back to the business net income include depreciation, depletion, amortization, casualty losses, and other losses or
expenses that are not consistent and recurring.
• Borrowers utilizing business bank statements that own > 50% but < 100% of a business will be qualified at the P&L/AES net income multiplied by their ownership
percentage.
• The P&L expense ratio, Gross Income minus Net Income, divided by Gross Income, should be reasonable for the profession.
Example: A home-based sole practitioner therapist/consultant can be expected to have a low expense ratio, while a retail business that has a full staff of
employees and relies heavily on inventory to generate income will have a high expense ratio.

Bank Statment Only Mortgage Lenders Limitations on Other Real Estate Owned
The maximum number of financed properties to any one borrower is limited to six (6). Additional reserves are required for borrowers with greater than 2 financed
properties; please see reserves section for requirements.

Bank Statment Only Minimum Loan Amount $150,000- Mortgage And Rental
Payment Verification

Downpayment And Assets – Documentation Assets sourced and seasoned for 60 days. Gift funds allowed (see Gift Funds)Bank Statment Only Limitations on Multiple BK filings are not permitted.
• 12 months housing history required.
• Rental history evidenced by 12 months proof of payment via canceled checks or bank debits.
• Rent free letters from spouses are not permitted. Housing history is required.

Bank Statment Only Limitations on Payment Shock Requirments
Payment shock is limited to 175% on primary residence transactions.

Bank Statment only mortgage lenders Payment Shock Calculation –
(Proposed PITI – Current PITI) / Current PITI X 100
For borrowers who do not have a current housing payment, or own a home free and clear, payment is shock is not considered.

PUDs- New PUDs/Subdivisions must be at least 60% sold or under bonafide contract. The PUD questionnaire must be included with the submission. • Maximum
LTV of 80% for new PUDs

Bank Statment only mortgage lenders Ineligible properties include: • Acreage greater than 10 acres (appraisal must include total acreage) • Agricultural zoned property • Condo hotel • Co-ops • Hobby Farms • Income producing properties with acreage • Leaseholds • Log Homes • Manufactured housing • Mixed-use properties • Modular homes • Non-Warrantable Condos • Properties subject to oil and/or gas leases • Unique properties • Working farms, ranches or orchards.

SERVING EVERY TEXAS COUNTY-CITY TEXAS
ANDERSON CAYUGA
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ANDERSON FRANKSTON
ANDERSON MONTALBA
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GARZA POST
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HENDERSON ENCHANTED OAKS
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HUNT WEST TAWAKONI
HUNT WOLFE CITY TEXAS
HUTCHINSON BORGER
HUTCHINSON FRITCH
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HUTCHINSON STINNETT
IRION BARNHART
IRION MERTZON
JACK BRYSON
JACK JACKSBORO
JACK JERMYN
JACK PERRIN
JACKSON CORDELE
JACKSON EDNA
JACKSON GANADO
JACKSON VANDERBILT
JASPER BROWNDELL
JASPER BUNA
JASPER EVADALE
JASPER JASPER
JASPER KIRBYVILLE
JEFF DAVIS FORT DAVIS
JEFF DAVIS VALENTINE
JEFFERSON BEAUMONT
JEFFERSON BEVIL OAKS
JEFFERSON CHINA
JEFFERSON GROVES
JEFFERSON NEDERLAND
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JIM HOGG HEBBRONVILLE
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JONES ANSON
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KARNES FALLS CITY TEXAS
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KENDALL BERGHEIM
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