Certified Capital Home Loans Inc.
(657) 390-0450

Bank Statement Loans

Your a successful entrepreneur so you can have control of your destiny, but financial documentation can be challenging during those early years of creating that successful business.  At Certified Capital Home Loans, we don't think those forming years of your business should keep you from adding home ownership to your wealth portfolio.  We can qualify income for the purpose of home ownership using bank statements instead of the traditional tax returns.  Call or click today to start the home purchasing process

The Bank Statement loan is a program that utilizes 12 or more months of personal or business bank statements to arrive at your qualifiable income for the purposes of home purchase preapproval.  The bank statement program guidelines allow the sum of the monthly deposits to be considered as income, offset by a certain percentage depending on industry of the business as a standard expense factor, often more favorable than actual expenses of a newer business.  Call or Click Certified Capital Home Loans today to get started toward home ownership.

  • Any business owner that has a qualifying amount of deposits reflected over 12 months or more on their personal or business bank statements, and meets other credit and asset guidelines.

Any home that you can purchase with a conventional or FHA loan, you can purchase with a bank statement income loan.

  • You can potentially qualify for home purchase without presenting traditional income documentation such as tax returns, etc..  The deposits reflected on 12 consecutive months or more on business or personal bank statements are considered along with other factors to result in your qualifying income for the purposes of computing debt to income ratio.  Let Certified Capital Home Loans be your home purchasing partner.

The first step is call us at Certified Capital Home Loans today.  Our streamlined process will quickly result in necessary information and documentation so that we can quickly determine your home purchasing qualification.  

Yes, there is no limit on this type of loan.