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If you're self-employed, you might already know how difficult it can be to qualify for a traditional mortgage. Inconsistent income, tax write-offs that reduce your reported earnings, and the absence of W2s or pay stubs can often work against you in the eyes of conventional lenders. This is where Non-QM “Lite Doc” Bank Statement Loans come in – designed specifically to address these challenges and provide the financial flexibility you need.
Bank Statement Loans for Self-Employed Borrowers: We specialize in providing solutions for self-employed individuals, including business owners, with "Other" W2 or 1099 income. Our focus is on offering Bank Statement Loans with a quick and efficient process, allowing banks to compete for your mortgage business.
How Bank Statement Mortgage Programs Work: For self-employed borrowers, income is calculated using 12 or 24-month bank statements, either personal or business. Our income calculation also considers various factors, such as the Borrower industry, deposits, expenses, liquidity, other earnings, equity details, and credit scores prior to Loan Submission to determine the correct Solution. See a few of our Program Highlights below!
To review how our Loan Process works, please click HERE.
To learn more and request contact
Loan Details for 1st Trust Deed Mortgages (12-24 Bank Statement Loans):
- Rate and Term Refinance and Primary Home Purchase Loans:
- 80-90% + LTV to 1.5 million
- 80-85% to 2.0 million
- 65-75% to 4.0 million+
- Second-Home & Investment Property Mortgage Loans:
- 70-80% LTV to 1 million
- 70-75% LTV to 2 Million+
- Loan Options:
- 30-Year Fixed Term with I/O Loan Option for 10 years
- 1st TD Mortgage AND/OR 2nd Trust deed Mortgages with Bank Statements
- Business Bank Statement Loans (12-24 months Statements) for Self-Employed Borrowers
- Cash-Out Real Estate Mortgage Loans (70-80% LTV to 1.5 million++ Call to run Scenarios
- DSCR Investment Loans allow Rental-Non Owner Cash-Out up to 65-80% LTV Call to review
- Loan Criteria:
- Loan amounts up to $4,000,000 +
- 680-720 minimum credit score and Solid “reserves”
- May Combine Income Types to Qualify
- No seasoning requirements for refinances (R/T)
- Generally no limit on Cash Out
- Bridge Loans available to Cross RE!
- Various income documentation types, including asset depletion, full doc, and 1099 options
- First-time homebuyers allowed on all documentation types
- Gift funds are allowed
- Up to 15 financed properties (unlimited for primary residence)
Why Choose Trinity Mortgage:
Since 2009, we've been helping self-employed individuals secure competitively priced loans for their real estate needs. Whether you're looking to purchase or refinance a residential or investment property, our Mortgage Loan team led by Dan Cassel is here to guide you through the process.
- May Combine Income Types to Qualify
- Proprietary Lending platform technology
- Long Term Loan Networks enable quick qualification.
- Years of experience with Self Employed Borrowers and Investors.
- Long Term expertise allow us to offer Optimal loan solutions.
- We let banks compete for your loans to secure the most competitive terms.
Mortgage Rate and Term Information: For more detailed information on mortgage rates and terms, as well as to take advantage of today’s low mortgage interest rates in California, simply fill out our online form for a free mortgage analysis.
At Trinity Mortgage, we're committed to simplifying the mortgage process and providing tailored solutions for your unique needs. Our team is excited about the opportunity to assist you in securing the right mortgage for your California real estate journey.
