08/27/2026
🚨 NEW BANK STATEMENT LOAN PROGRAM
Flexible Financing for Self-Employed Borrowers
12 MONTHS OF BANK STATEMENTS
Qualify using bank statement income instead of traditional tax-return income documentation.
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⭐ PROGRAM HIGHLIGHTS
• 12 months of bank statements required
• Self-employed for at least 2 years
• NO MORTGAGE INSURANCE on loans above 80% LTV
• Interest-Only option available
• Available in most states
• Non-warrantable condos eligible up to 80% LTV
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🏠 PRIMARY RESIDENCE
Up to 90% LTV • NO Mortgage Insurance
Maximum DTI: 55%
• FICO 620–659: Up to 70% LTV
• FICO 660–679: Up to 80% LTV
• FICO 680+: Up to 90% LTV
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🏡 SECOND HOME
Up to 85% LTV • NO Mortgage Insurance
Maximum DTI: 55%
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🏢 INVESTMENT PROPERTY
Up to 85% LTV • NO Mortgage Insurance
Maximum DTI: 55%
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💡 A GREAT OPTION FOR SELF-EMPLOYED BORROWERS
Business owners and self-employed clients who may not qualify using traditional tax-return income documentation.
Have a challenging self-employed borrower?
Let’s see if they qualify!
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DREW WHIPPLE
Citizens Bank
Mortgage Loan Officer
NMLS #1132486
Call now to connect with business.
