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For borrowers who have turned their vision into a successful small business and who need to make sure their home loan works as hard as they do for their families. Bank statement loans are perfect options for self-employed borrowers who do not have tax documents to prove their ability to pay.

Correspondent Non-Delegated

SG Capital - EA Core

• Lower credit borrowers allowed (min 580 FICO)
• Self-employed borrower with large tax deductions
• Target local business owners and service providers
• No CPA prepared P&L required
• Recent housing delinquencies, FC/SS/DIL & BK allowed

SG Capital - EA Plus

• High FICO borrower with good credit or a credit event between 4 and 7 years seasoned
• Self-employed borrower with large tax deductions
• Target local business owners and service providers
• No CPA prepared P&L required

New Rez – Smart Self & Smart Self Plus

• Max LTV 90% for Purchase
• Max LTV 85% for Cash out
• Max DTI 80%
• Minimum FICO 620

Deep Haven – Expanded Prime

• Higher Fico borrower
• Self employed can utilize personal bank statements or business bank statements
• P&L used for business bank statements can be borrower prepared or can use CPA prepared Expense Ratio
• Primary and Second Homes only, 1-2 family
• 43% DTI Standard and up to 50% Enhanced with certain criteria and Full Doc

Deep Haven – Near Prime

• Mid to High Fico borrower
• Self employed can utilize personal bank statements or business bank statements
• P&L used for business bank statements can be borrower prepared or can use CPA prepared Expense Ratio
• Primary, Second Homes and Investment properties, 1-4 Family
• 50% DTI standard and up to 55% Enhanced with certain criteria and Full Doc

Deep Haven - Non Prime

• Lower to High Fico borrower
• Self employed can utilize personal bank statements or business bank statements
• P&L used for business bank statements can be borrower prepared or can use CPA prepared Expense Ratio
• Primary, Second Homes and Investment properties, 1-4 Family
• Standard DTI 43% and up to 50% with 620 Fico. 55% Enhanced ratio available with certain criteria and Full Doc

Broker Non-Delegated

Angel Oak - Platinum

• Just Missed agency fallout
• Perfect for SE borrowers using bank statements for income
• Borrowers with a major credit event between 4-7 years

Angel Oak – Portfolio Select

• Perfect for Borrowers with High Net Worth and Significant Assets
• No other income required

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Let's talk! 800-459-7512