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Bank Statement Programs

ResiCentral’s Bank Statement mortgage program is ideal for self-employed borrowers who require an alternative method to demonstrate their company’s genuine cash flow. Borrowers are not required to hold 100% of the company.

Flexible Mortgage Loans for Business Owners, Entrepreneurs, Freelancers and Independent Contractors.

Our Bank Statement Elite and Premier programs offers a lending option to credit-worthy self-employed applicants who would otherwise be unable to obtain a home loan.

Bank Statement Elite

  • Loans up to $2.5 million with a minimum of $150,000
  • Max cash out $500,000
  • 12 months business or personal bank statements
  • 4 years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
  • 30-year fixed personal and business
  • 30-year with I/O personal and business
  • Two years self-employed required
  • Non-warrantable condos allowed
  • Purchase and cash-out or rate-term refinance

Bank Statement Premier

  • Loans up to $3 million with a minimum of $150,000
  • Max cash out $1 million
  • 12 months business or personal bank statements
  • 1 year seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
  • Fixed - 30-year fixed, 30-year IO and 40-year IO
  • ARM - 5 yr, 5 yr with I/O, 7 yr, and 7 yr with I/O
  • Two years self-employed required
  • Non-warrantable condos and condotels allowed
  • Purchase and cash-out or rate-term refinance
  • Owner-occupied, second homes, and non-owner occupied

Let us exceed your expectations

Grow your business by choosing a leading lender with fast turn times, competitive rates, and a great lending experience.