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Bank Statement Loans for Self-Employed in California

Are you self-employed in California and frustrated by mortgage lenders who say you “don’t qualify” — even though your business is thriving? If your tax returns don’t tell the whole story, it’s time to work with a lender that sees your full potential! We can help you with a free bank statement loan quote today - apply now!

Rates Just Dropped on DSCR Loans

Big News: Rates Just Dropped on DSCR Loans! If you’re an investor looking to maximize returns on your rental properties, now is the time to act. Lower DSCR loan rates mean more cash flow and greater opportunity for building your portfolio. Watch this quick video to see how we’re helping investors like you and then contact us to get your quote today!

NonQm Loans | Loan Options for Self-Employed, 1099, Real Estate Investors

Are you self-employed, a 1099 contractor, or a real estate investor—and been told you don’t fit the box for a mortgage? Traditional lenders often miss creditworthy borrowers just because income doesn’t look like a W-2. That’s where Non-QM loans come in.

Feds Announce Huge Rate Cut | Bank Statement Loans in California

With the Feds announcing a major interest rate cute, there's no better time to look into securing a mortgage or refinancing. Get access to the leading bank statement loan programs in California. Our bank statement mortgage loans allow you to purchase or refinance a California home without the use of traditional income documentation. Instead, you can qualify based on your bank statements – either business or personal.

2024 Bank Statement Loans in Florida

Get access to the leading bank statement loan programs in Florida. Our bank statement mortgage loans allow you to purchase or refinance a Florida home without the use of traditional income documentation. Instead, you can qualify based on your bank statements – either business or personal.

DSCR Loan Calculator | Maximize Your Rental Property with our DSCR Loan Calculator

Are you a seasoned real estate investor or just beginning your journey? Either way, the key to long-term success lies in making informed, data-driven decisions. At HomeLife Mortgage, we understand how crucial it is to assess your property’s financial health, which is why we’ve created a tool specifically designed for real estate investors like you: the DSCR Loan Calculator.

Buying with a Bank Statement Loan

Bank statement loans allow self-employed individuals an alternative way to qualify for a home loan. Rather than qualifying with conventional income documentation, eligibility is based on income deposits reflected in your bank statements.

DSCR Rental Loans | Simple Qualifying Rental Loans Designed for Real Estate Investors

Learn more about the best financing option for rental properties. Investors can use DSCR rental loans both when purchasing a new property or refinancing an existing one. Why Choose a DSCR Rental Property Loan? - Low fixed interest rates -Flexible terms -High Loan-to-Value ratio -Title is flexible -Quick closing times

Refinancing with a Bank Statement Loan in Texas

If you’re a self-employed individual and own a home, now presents an opportune moment to contemplate refinancing, and a bank statement loan could be the solution you need. Bank statement refinance mortgages proves advantageous for various purposes, such as lowering your interest rate, consolidating high-interest debts, initiating those long-delayed home improvements, securing capital for business expansion, or even acquiring additional real estate to diversify your investment portfolio.

Texas Bank Statement Loan Rates 2024

In the dynamic landscape of Texas's real estate market staying abreast of the latest trends and financial opportunities is crucial for home buyers. Hear insight into the current state of bank statement loan rates in Texas.

California Bank Statement Loan Rates 2024

In the dynamic landscape of California's real estate market, staying abreast of the latest trends for self-employed bank statement loan programs is crucial for buying or refinancing a home. Bank statement loan rates in California have experienced a noteworthy decline in recent months. This has stirred excitement and curiosity among self-employed borrowers thinking of buying or refinancing a home. Work with us to get access to the leading Bank Statement Loan Programs.

What Are No Doc Rental Loans?

No-Doc Rental Loans offer a convenient and flexible financing solution for investors seeking to acquire or refinance investment properties. Unlike traditional loans, these loans require no income estimation or documentation, making them ideal for investors facing challenges in obtaining standard financing.

Understanding DSCR Rental Loans

Discover the perfect solution for savvy investors like you with our DSCR rental loan program. Unlike traditional loans that rely on tax returns, pay stubs, and W2's, our DSCR rental loans focus on the property's cash flow. We assess the property’s ability to generate rental income that covers its expenses, known as the debt service coverage ratio (DSCR). With a DSCR rental loan, we require a minimum DSCR level, typically 1.1, ensuring your investment's success.

HomeLife Mortgage - About Us

We’ve been servicing the financial needs of borrowers since 1990. Our mission is simple: Empower homeownership. We believe that everyone deserves a place to call home, a place where memories are made, and futures are built. We’re committed to making homeownership accessible and stress-free, one mortgage at a time.

Homelife Jumbo Bank Statement Loan Program

At HomeLife Mortgage, we recognize that not everyone fits the conventional mold when it comes to documenting their income for securing a mortgage. That's why we've developed our innovative Jumbo Bank Statement Loan program – a flexible solution tailored to the unique financial situations of self-employed individuals, business owners, and more.

Why we created our Bank Statement Loan Program

10% of the workforce in America is self-employed - our Bank Statement Loan program offers a flexible and innovative solution to home financing tailored to self-employed individuals, business owners, and others with unique financial situations.

Self-Employed? Getting a Bank Statement Mortgage just got easier

New and Improved Bank Statement Loans Without Sky-High Interest Rates. We're here to help Entrepreneurs, Business Owners, Freelancers, and Contractors secure financing with our flexible mortgage loans.

Low-Interest Rental Property Financing

Streamlined, Low-Interest Rental Property Financing for Savvy Investors Enjoy 30-year fixed interest rates starting in the low 5% range. We also offer flexible 5/1 and 7/1 ARM options.

Jumbo Non-Prime Home Loans

We have flexible qualifying solutions for Jumbo Loans.

Jumbo non-prime home loans are designed for people that have been unable to qualify under the tighter restricted guidelines of a conventional or government home loan program.