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Working with borrowers

Quintessential Mortgage Group offers a wide range of loan programs that provides flexibility for borrowers. Our team of loan officers specializes in finding mortgage programs for those unable to document income. Our personal bank statement loan program allows borrowers to qualify for a mortgage using only their bank statements as proof of income. Self-employed borrowers with 12 months of bank statements may be eligible for financing at the following terms:

  • Loans up to $2,500,000.
  • Loans offer borrowers a cash-out option up to $1,000,000.
  • Maximum loan-to-value ratio is 85%.
  • Maximum debt ratio of 43%.
  • Minimum credit score of 620.
  • Fixed, adjustable, and interest-only loans are available to qualified borrowers.

 

Borrowers unable to meet the minimum credit score of 620 might still be able to qualify for financing by providing 24 months of bank statements. Loan terms under our 24-month bank statement program include:

  • Loan amounts up to $2,500,000 with up to $1,000,000 cash out.
  • Maximum loan-to-value ratio of 90%.
  • Maximum debt ratio of 50%.
  • Minimum credit score of 580.
  • Fixed, adjustable, and interest-only mortgages are available.

getting you approved

In a bank statement loan, (AKA stated income) you don’t need to provide the typical financial documents needed for a mortgage, such as W-2s and tax returns. Instead, you’ll use bank statements to prove income. This can be helpful if your income is inconsistent, your employer doesn’t issue traditional paychecks or you claim significant tax deductions. Please contact our team of experts today at QMG and learn if the Personal Banke Statement Program is right for you.

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