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Residency, Social Security or Income in the US
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First-Time Buyer, Rural and Veterans Programs
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Starting with only...
580 Credit Scores!!!
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We will help you.
Contact us to analyze your options.
Don't worry and submit your information
We will help you.
Upto 90% financing for
Purchases of up to $830,000.
USDA Loans for moderate income Families
0% down payment - 100% financing
If you own your own business or are self-employed, you know that getting a mortgage can be difficult. Regardless of what you reported for income if tax write-offs make your business profitability low, 12 Bank Statement home loans will be your golden opportunity.
Clear Lending offers the 12 Bank Statement Loan Program for borrowers whose taxes do not necessarily reflect their actual purchasing power and thus their ability to repay the purchase of a house that might be right for you.
The Bank Statement Home Loans in Fairfax County, Houston, or Chicago, whether personal or business bank statements, are the perfect program for those potential borrowers whose taxes may include an elevated amount of deductions, but their company has recently become more profitable. For those cases where borrowers don't want to wait to file following years' taxes and wish to take advantage of qualifying right away, this program is the solution.
While this program is a portfolio loan program and thus doesn't have uniform underwriting guidelines for all applicants, the size and consistency of deposits from month to month are essential when evaluating qualifying options.
The basic requirements to apply for the Bank Statement Home Loans are:
- Twelve months of consecutive bank statements, personal or business.
- Typically we want to have deposits of around $10,000/month or more if personal bank statements or over $20,000/month if business bank statements. If we only use personal bank statements and applicant doesnt have business bank statements then personal bank statements deposits will be cut by 50% so in this case we would need consistent deposits of around $20,000/month.
- Two years of self-employment evidenced by a license, DBA, Corporation, or any other legal document evidencing the registration of business if using business bank statements.
- Citizen, Resident, or current Visa for non-permanent US residents.
- Credit scores of 550+ for Primary Occupancy Residency Purchases in Houston, Chicago, and Fairfax County.
Loan Program Highlights:
• Purchase or refinance loans available for owner-occupants and investors of 1-4 units, townhouses, approved condos, or PUDs.
• Purchase or refinance of single-family second homes.
• Financing traditionally up to a max 90% loan-to-value with 700+ scores. Gift funds are allowed after the borrower's required contribution.
• Seller contributions allowed depending on down payment and occupancy.
• Co-signers are allowed to help buyers qualify for single-family residences.
• Loans from $ 200,000 to $ 5,000,000. Smaller loan amounts on a case-by-case basis.
Benefits of 12 Bank Statement Loan Program:
• No mortgage insurance, even with a 10% down payment.
• Available to purchase second homes or investment properties.
• Greater loan limits.
Don't wait any longer and find out how much loan you can get Pre-Approved.
Whether you are considering purchasing or refinancing with a bank statement home loans in Houston or Fairfax County, Clear Lending can help you. Simply complete our secure and encrypted Pre-Approval Form online, and we will contact you right away to review the best options for you.
Not all applicants will qualify. This advertisement is not an offer for an extension of credit. Please meet with a licensed loan originator for more information as programs are available only to qualified borrowers. Programs rates, fees, terms, and programs are subject to change without notice. Not all loans, loan sizes, or products may apply. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet loan-to-value requirements, and final credit approval. Approvals are subject to underwriting guidelines and program guidelines and are subject to change without notice. Some restrictions may apply.
FROM GOOGLE: If you would like to get a home for sure PLEASE GO WITH JOAN at Clearlending. They really go above and beyond. My husband and I could not be any happier. Joan takes his time to go over every unexpected or even expected little detail. I really appreciate all the effort that the have put into our business. Could not be more glad of making the right decision of going with Clearlending. THANK YOU!!!!
From my first call to the final signature at closing, Joan and his team were amazing! They were patient with all my questions, and gave me the support and guidance to make my home buying process a very pleasant one. Their attention to customer service was incredible, always making me feel as if I was their only customer! Thank you Clear Lending for a wonderful home buying experience!
It was great to have Clear Lending support to achieve my objectives. My Family and I contacted Clear Lending from Indonesia for primary home mortgage. All the process was completed remotely by email and Whatsapp. Upon getting the credit approval, we chose our new home and closed the purchase successfully and timely. My Family and I are very lucky to count on you and we wish to thank you for a fantastic services and for your guidance and advise.
