FHA Standard
March 22, 2026
ITIN Mortgage
March 23, 2026Program details
No Score or FICO 620 / Up to 90% CLTV
Our 12/24 Month Bank Statement loan is a perfect Non-QM loan for the self-employed. Even if complex tax deductions make their tax returns less than straightforward, this program can provide a clearer picture of their current income or revenue to help them qualify.
Program features
- Loan amount up to $4 million
- DTI up to 55%
- Min. 3 months of reserves required
- Max cash-in-hand $500,000 for CLTV >65%, $1,000,000 for CLTV ≤65% to ≥55%, no max cash-in-hand limitation for CLTV <55%
- Mortgage history 0 x 60 x 12, 0 x 30 x12, 0 x 90 x 24
Why choose our 12/24 Month Bank Statement?
- Free service to calculate income
- Combined statements accepted
- No tax returns required
Benefits to grow your business
Our streamlined loan process provides our partners with industry-leading turn times, ensuring you're always ahead of the competition.
Our suite of loan solutions grows to meet the changing needs of borrowers, ensuring you always have a product that fits their unique needs.