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BANK STATEMENTS LOANS

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Bank Statements Loans Near Me

A type of non-qualified mortgage loan that allows self-employed borrowers to seek a home loan without having to show net income on tax returns or pay stubs. Lenders look at your income over 12 months using bank statements, and if you meet our criteria, you can get a mortgage loan with a competitive rate.

With a bank statement loan — also known as a stated income loan — you won’t need to provide your lender with some of the typical financial documents needed for a mortgage, such as W-2s and tax returns. Instead, you’ll use bank statements to prove income. This can be helpful if your income is inconsistent, your employer doesn’t issue traditional paychecks or you claim significant tax deductions.

Bank Declaration as Collateral: The Key to Success

Get the Capital You Need

The bank statement loan stands out for its simplicity and efficiency. By using your financial history as collateral, financial institutions can offer you significant amounts without the need for complicated paperwork.

Flexibility in Conditions

One of the most outstanding advantages is the flexibility of the loan terms. Unlike other options, this type of financing adapts to your needs, allowing you to choose terms and rates that fit your current situation.

Simple Process, Fast Results

No Cumbersome Paperwork

Goodbye to days of endless paperwork. With the bank statement-based loan, the process is greatly simplified. Forget mountains of paperwork; your financial history speaks for itself.

Immediate Responses

Speed is of the essence when it comes to your financial goals. With this type of loan, the answers are quick and straightforward. Need that financial boost? Doors open with a simple glance at your bank statement.

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How Do Bank Statement Loans Work?

  • When you apply, you’ll provide the lender bank statements as far back as two years for both personal and business accounts. You’ll also need to disclose other information about your business and expenses, if applicable.

    The lender then analyzes your income to determine your net income. From there, if you meet the lender’s other requirements, you’ll be preapproved for a certain loan amount.

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Frequently Asked Questions

Requirements usually include good financial health and a solid credit history. In addition, submission of a detailed bank statement is essential to assess eligibility.

While a strong credit history can improve terms, some lenders offer options for those with bad credit. The bank statement becomes a key factor in these cases.

Need a Solution From Us?

We are here for you! At RealDealMortgageSolutions NMLS 2114942, we believe in the power of personalized advice.

Don’t waste any more time, take the first step towards your future today, let’s talk! Your dream home is closer than you think.”

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