I have a 12 month bank statement program for self employed folks if that helps. If you are self employed and can show consistent deposits in your personal account from the business I might be able to help you out.
We at Pacificwide Lending offer Stated Income Loans with 30-40% down & 740 credit score.
Please feel free to contact me to discuss our programs in detail.
Thank you for your inquiry & I look forward to hearing from you.
Loan Originator / Jr. Partner
5506 Sunol Blvd. Suite 200
Pleasanton, CA. 94566
Office: (925) 461-0500
Cell: (925) 872-0695
Let me know why you have to go stated as there are some options available if your debt-to-income ratio are high, if there is a gap in your employment, if you have been self-employed for less than 2 yrs, etc...
If not we have a Private Money program (HARD MONEY) which will command 6 to 7% will a couple of points.
Senior Loan Consultant
All California Mortgage
A Division of APMC
P: (415) 464-8261
C: (415) 378-7508
F: (415) 464-2367
NMLS 304353 - DRE 01380701
Meet in person with a Local Mortgage Banker to get prequalified for mortgage financing. The Mortgage Banker will review all facets of your loan request to answer your questions with regards to the types of loans and maximum loan amounts you could qualify for. Your Mortgage Banker will discuss the various loan programs, closing costs, and most important of all, monthly payment.
Line up a Home Inspector. A good home inspector will scare the heck out of you: that's what you pay him for! But you'll concentrate on the fundamentals of the property: roof free of leaks, plumbing, heating and electrical up to code and in good working order. Again, when you make an offer and you have your Home Inspector ready to go, your offer will be considered with much more interest by a Seller because you truly have your "ducks in a row" and your preparation demonstrates your serious attitude about conducting the purchase transaction in a timely manner.
Find an experienced Local Realtor who works in your desired shopping area. A serious pro Realtor will refuse to show you homes until you are Prequalified for mortgage financing. Don't take offense! That Realtor doesn't want you to be disappointed and wants you to have a smooth experience as you shop for your new home.
Put together your Team of real estate professionals and shop 'til you drop!
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