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FHA MORTGAGE

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Texas Bank Statement Mortgage - No Tax Returns - Self Employed‎ 

BANK STATEMENT+NO TAX RETURN TEXAS MORTGAGE
Serving ALL Texas – 2  Texas Bank Statement Loan loan options 

TEXAS BANK STATEMENT MORTGAGE LENDERS SERVING ALL TEXAS INCLUDING AND NOT LIMITED TO FORT WORTH TEXASAUSTIN TEXASDALLAS TEXASSAN ANTONIO TEXAS,  HOUSTON TEXAS

TEXAS BANK STATEMENT NO TAX RETURN MORTGAGE LENDERS

NO INCOME CHECK

What is a Texas Texas Bank Statement mortgage Lender?

Texas Texas Bank Statement Mortgage Lenders   have taken over the traditional Texas Bank Statement mortgage income loans as an alternative for self employed Texas mortgage applicants who are unable to verify their income by providing the previous two years tax returns, W2s and pay stubs. These loans are called non-QM loans, nontraditional loans or expanded criteria loans that allow other forms of documentation to prove the ability to repay. Just as it sounds, a Texas Bank Statement mortgage loan allows the borrower to verify his or her income with Texas Bank Statement mortgages

Special Considerations By Texas Bank Statement Mortgage Lenders

  • You can use either business or personal no commingling.
  • Use 12 months business bank account or personal account depending on the lender.
  • Deposits which are transferred from a business account into a personal account are OK.
  • You may combine W2 income with Texas Bank Statement mortgage income as long as the income is not being counted twice.
  • Foreign Texas Bank Statement mortgages and Foreign Assets may be considered and must be translated to English.

The Texas Bank Statement mortgage Loan Application Process

To apply for a Texas Bank Statement mortgage loan you would fill out our full mortgage application. Then provide your last 12 or 24  months’ worth of Texas Bank Statement mortgages from a personal or business bank account. Texas Bank Statement mortgage loans are processed through a manual underwriting process. This means the income is calculated by a person so the process can take 24 -48 hours.

Eligible for a Texas Bank Statement mortgage loan:

  • You must prove self-employment for a minimum 2 years.
  • Must provide proof of 12-month rental history or and 3-6 months future payments in reserves.
  • You must have at least 10% down.
  • You must have 4-6 months of PITI reserves
  • You may qualify with as little as a 12-months Texas Bank Statement mortgage.
  • You must have a credit score of 600 or above to qualify.
  • The minimum loan amount is $100,000, and the maximum loan is $5,000,000.

What Documents Do I need for a Texas Bank Statement mortgage only Mortgage?

  • Proof of income = Your most recent 12- or 24-months Texas Bank Statement mortgages Business or Personal Texas Bank Statement mortgages EVERY PAGE EVEN BLANKS in PDF labeled by month.
  • PDF proof of down payment statement= 2 Months Texas Bank Statement mortgages to source funds..
  • Proof of 2 years in the same business or line of work = To include business licenses or satisfactory evidence of self-employed to cover previous 24 months that could include: Articles of incorporation, 2 years of 1099 s, Business license more than 2 years or accountant letter stating more than 2 years in the same business.
  • Obligations = Divorce decree, Child support or court order required payment statements. Only if applies.
  • ID = Driver’s license, SS Card.
  • Mortgage Statements = For rental properties including taxes and insurance statements. Only if applies.
  • W2 or 1099= If you have separate W2 or 1099 income you would like to use to qualify please provide.
  • Purchase and Sale Contact. Only if you have one.
  • Verified Timely Rent Payments- For Purchases Only – Please send front and backs of checks clearing your account or wire transfer’s for the most recent 12 months to verity timely rental payments.

What Are the Advantages of a Texas Bank Statement mortgage Loan?

In summary, these are the advantages of a Texas Bank Statement mortgage loan:

  • The lender can look at 12 or 24-month Texas Bank Statement mortgages.
  • 30 Year Fixed Options.
  • Texas Bank Statement mortgage only mortgage lenders do not need to look at your tax returns.
  • Your income statements are made up of the average monthly income deposits.
  • You can get a Texas Bank Statement mortgage home loan for as little as 10 percent down.
  • You can do a cash-out refinance.
  • You can borrow up to $5 million.
  • Debt to income ratio up to 55 percent.

Eligibility Requirements for a Texas Bank Statement mortgage Loan?

Eligibility for a Texas Bank Statement mortgage requires total deposits minus disallowed deposits. This amount is then divided by the number of Texas Bank Statement mortgages, whether it is the 12 or 24 months statement.

Another option is that if the co-borrower is a W2 employee you can use a hybrid of W2 and tax return income from the co-borrower and Texas Bank Statement mortgage income from the borrower or assets from the co-borrower and Texas Bank Statement mortgages from the borrower. Non-QM loans can use multiples sources of blended incomes to qualify.

Deposits which are disallowed in regards to a Texas Bank Statement mortgage loan include transfers between bank accounts and cash or large deposits, which can raise a level of concern and may require a letter of explanation.

Stated Income Mortgage Lend

TEXAS BAD CREDIT BANK STATEMENT MORTGAGE LENDERS

TEXAS BAD CREDIT BANK STATEMENT MORTGAGE LENDERS- Are you self-employed or 1099 wage earner and having a hard time getting pre-approved for a TEXAS mortgage because you have bad credit?  We know the story. They have a great top line, but after the accountant works their magic there isn’t much adjusted gross income left to by a TEXAS home. Bad credit TEXAS bank statement Business Lenders can help!…

BANK STATEMENT TX MORTGAGE LENDERS

NO TAX RETURN CHECKLIST

TEXAS SELF EMPLOYED NO TAX RETURN MORTGAGE LENDERS+PURCHASE OR REFINANCE

No Tax Return Self Employed Mortgage Lenders

Stated Income Mortgage Lenders

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FAST CONSULTATION

Texas Bank Statement Only (Personal or Business) 

  • NoTax Returns No Tax Transcripts Required
  • 12 Month Bank Statements Now Available
  • 24 Months Bank Statements (Personal Or Business)
  • Texas Jumbo Bank Statment Loans Up To $5 million
  • (Min Bank Statment Only Texas Loan Amount $100,000)
  • Credit Scores Down To 600
  • Rates Starting In The Low 5’s
  • Personal + Business+ W2 Income Or Mixed Deposits OK!
  • DTI up to 50% Considered!
  • Owner-Occupied, 2nd Homes, Investment Properties
  • Foreclosure, Short-Sale, BK, DIL - OK!!
  • Non-Warrantable Condos - OK!
  • 5/1 ARM 7/1 ARM Or 30-Year Fixed
  • Gift Funds Allowed
  • No Pre-Payment Penalty 
  • or Owner-Occ And 2nd Homes + Investment!
  • SFRs, Townhomes, Condos, 2-4 Units
  • Seller Concessions To 6% (2% For Investment)
  • Mix Of Both Personal And Business Texas Bank Statement Deposits OK!

SAME DAY BANK STATEMENT ONLY TEXAS MORTGAGE LENDERS PRE APPROVALS!

 NO INCOME VERIFICATION TEXAS COMMERCIAL MORTGAGE LENDERS

NO DOC COMMERCIAL MORTGAGE LENDERS

 

 

www.Florida-Mortgage-Lenders.com

 SAME DAY APPROVALS! CALL NOW 954-667-9110

www.Texas-Mortgage-Lenders.com

Bank Statement Only Texas borrowers that can document their income by providing the following:

  1. Texas Bank Statement Lenders Worksheet to record deposits
  2. Texas Bank Statement Lenders 24 Month Profit and Loss Statement Request
  3. NO TAX RETURNS NEEDED!!!

12 OR 24 Months Texas Bank Statement Only Employment Types:

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

Texas Bank Statement Only mortgage lenders will accept Personal or Business Bank Statements.  However, qualifying income will be calculated differently.

Texas 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.

Texas 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.

BANK STATEMENT ONLY TEXAS MORTGAGE LENDERS LINKS:

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Texas Jumbo Mortgage Lenders - Texas Bank Statement Only Mortgage Lenders

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JUMBO TEXAS BAD CREDIT MORTGAGE LENDERS

TEXAS BAD CREDIT JUMBO MORTGAGE LENDERS

Bad Credit Texas Mortgage Lenders- Min 500 FICO

Texas Jumbo Mortgage Lenders - Texas Bank Statement Only Mortgage Lenders

  • TEXAS STATED INCOME MORTGAGE LENDERS PROGRAMS
 

TEXAS

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TEXAS STATED INCOME MORTGAGE LENDERS PROGRAMS

https://www.fhamortgageprograms.com/6-texas-stated-income-mortgage-lenders-progra…
 

Texas Bank Statement Only Mortgage Lenders Archives – FHA …

https://www.fhamortgageprograms.com › FHA › Florida

 

Texas Bank Statement Only Mortgage Lenders – Explained Texas Bank Statement Mortgage Lendersoffer a 24-Month Bank Statement Loan Program using bank statements ONLY to quality for amortgage.. Texas Bank Statement Only Mortgage Lenders borrowers that can document their income by providing the following …

Texas Bank Statement Only Mortgage Lenders – FHA mortgage lender

https://www.fhamortgageprograms.com/texas-bank-statement-only-mortgage-lenders-…

 

Texas Bank Statement Only Mortgage Lenders approve borrower based on a 24 month deposit history. Same Day Approvals! Call Now 954-667-9110.

You visited this page on 12/27/17.

TEXAS STATED INCOME MORTGAGE LENDERS PROGRAMS

https://www.fhamortgageprograms.com/6-texas-stated-income-mortgage-lenders-prog…

 

24 MONTH BUSINESS BANK STATEMENT TEXAS MORTGAGE LENDERS. 24months business bank statements. Minimum 25% ownership in the business. 3rd party CPA, Enrolled Agent, Or ReputableBookery letter to verify experiences. MInimum 600 fico score. Standard bank statement mortgage lenders only.

Georgia Bank Statement Only Mortgage Lenders – FHA mortgage lender

https://www.fhamortgageprograms.com/georgia-bank-statement-only-mortgage-lende…

 

Georiga Bank Statement Only Lenders Use 100% of Deposits for all 24 to use as income! Same Day Pre Approvals! Call 954-667-9110.

15 DOWN+SELF EMPLOYED TEXAS MORTGAGE LENDERS

https://www.fhamortgageprograms.com/self-employed-texas-mortgage-lenders/

 

Self Employed Texas Mortgage Lenders qualifying Texas borrowers with Bank statements only. Call 954-667-9110 same day approval!

Florida stated income mortgage lenders+same day approval!

https://www.fhamortgageprograms.com › FHA › Florida

 

Dec 23, 2016 – Our Stated income loan program lets you purchase or refinance up to 85% of your Florida Home Purchase! Apply Now. Details of Florida Bank Statement Only Lenders Program: Must have 24 consecutive months of statements (no gaps); Must provide All pages (even the last pages with advertising) …

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bank statement only – Georgia stated mortgage lenders! ga self

https://www.fhamortgageprograms.com/bank-statment-only-georgia-mortgage-lenders/

 

Bank Statement Only Georiga Mortgage Lenders– Buy a home using only your bank statments with NO TAX RETURNS! Call Now Same Day Pre Approvals! 954-667-9110.

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15% Down(PRIMARY HOME) Stated Mortgage Lenders

https://www.fhamortgageprograms.com/15-stated-mortgage-lenders-1mil/

 

10%Down(PRIMARY HOME) Stated Mortgage Lenders <1MIL. 15% Down Stated Mortgage Lenders up to 1MIL. The Stated Mortgage Lenders only loan program is for home buyers and home self-employed. Stated borrowers that can document their income by providing the following: Personal Bank StatementWorksheet …

BANK STATEMENT ONLY MORTGAGE LENDERS

fha-mortgage-lenders.com/bank-statement-only/

 

BANK STATEMENT ONLY MORTGAGE LENDERS– Use 24 month bank statement deposits to qualify for amortgage!

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Feb 13, 2019 - Texas State links. ... Taxation. Texas Comptroller of Public Accounts - Texas Taxes ... Rate the Small Business and Self-Employed Website ...