bank statement purchase loans

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A self-employed borrower bank statement purchase loan offers a unique path to homeownership tailored to the distinct needs of entrepreneurs, freelancers, and small business owners. Unlike traditional loans, these loans primarily use bank statements to verify income, making them an excellent choice for those with substantial income not fully reflected on tax returns. Over a period of 12-24 months, the bank statements give lenders a clear view of your cash flow and financial stability. While these loans may have slightly higher interest rates due to their perceived risk, they provide a valuable opportunity for self-employed individuals to secure a mortgage when conventional income documentation might not fully illustrate their earning power. Discover the potential of bank statement purchase loans today, and let your business's success pave your way to homeownership.

Begin the home buying journey on the right foot by securing a clear mortgage plan. Having a solid financial strategy in place will ensure that your home search is guided by practical considerations, rather than emotions alone.

In which state are you looking to purchase a property?

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What type of property are you interested in purchasing?

What will be the intended use of the property?

Are you a first-time home buyer?

What is your estimated credit score?

What is your gross annual household income?

Do you currently work, or have you ever worked, in any public safety or emergency services role that might qualify you for specialized mortgage programs for first responders?

Please indicate your current or previous role in public safety or emergency services that might qualify you for specialized mortgage programs for first responders.

Are you open to working with a HERO real estate agent partner, which could provide you with a possible cash rebate or closing cost credit?

Are you eligible for VA benefits?

What is your full name?

What is your email address?

What is your cell phone?

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Getting pre-approved for a home loan is the crucial first step in your home buying journey. Here's why:

  • Know your budget - Pre-approval gives you an idea of what you can afford, allowing you to make informed decisions when shopping for a home.

  • Be a competitive buyer - Having a pre-approval letter shows sellers that you're a serious and committed buyer, making you stand out in a crowded market.

  • Streamline the process - The pre-approval process helps you identify any potential roadblocks early on, allowing you to address them before you find the home of your dreams.

  • Negotiate with confidence - Knowing that you have financing secured gives you the confidence to negotiate the best terms and price for your new home.

Flanagan State Bank

NMLS# 408461

Contact Us

9245 Laguna Springs Dr. Suite 200

Elk Grove, CA 95758

Flanagan State Bank is an Equal Housing Lender. We fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal regulations. All applicants applying for credit from Flanagan State Bank will never be discouraged on on the basis of race, color, religion, national origin, sex, military status ,marital status, age, or because you get public assistance. All information we request is voluntary, and will be kept confidential. For more information on the ECOA, please visit:

http://www.ftc.gov/bcp/conline/pubs/credit/ecoa.shtm

© Copyright 2024 | Flanagan State Bank | All rights reserved.

© Copyright 2024 | Flanagan State Bank | All rights reserved.