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12/24 MONTHS GEORGIA BANK STATEMENT ONLY MORTGAGE LENDERS

12 MONTHS ONLY GEORGIA BANK STATEMENT MORTGAGE LENDERS

Here’s a great low doc Georgia bank statement only loan program for Georgia self-employed borrowers that can provide 12 months of bank statements to qualify for a Georgia mortgage without tax returns

Yes you heard Right! Georgia Mortgage Loan Approvals With No Tax Returns! 
You simply provide your personal Georgia bank statements or your business/corporate Georgia bank statements to get approved based on your average monthly deposits. If you are buying a Georgia home and had low income reported on your Georgia tax returns use this program in lieu of full-doc programs with just 15%-30% down payment on primary home or as much as 85% loan to value on Georgia bank statement only refinances without cash out. Even if you have bad credit Georgia home loan approvals down to a 600 credit score!

BREAKING NEWS! – NOW WE CAN APPROVE MIXED BOTH BUSINESS AND PERSONAL DEPOSITS!

Georgia Bank Statement Only Loan Approvals For (Personal or Business) 

  • No Tax Returns/Transcripts Required
  • 12 Month Georgia Bank Statements Now Available
  • 24 Months Georgia Bank Statements (Personal Or Business)
  • Loans Up To $2 million (Min Loan Amount $150,000)
  • Bad Credit Loan Approvals With Credit Scores Down To 600
  • Rates Starting In The Low 5’s
  • Personal To 90% LTV (No MI), Business To 80% LTV
  • DTI Above 35/43 Considered With 660+ Credit Score
  • Owner-Occupied, 2nd Homes, Investment Properties
  • 2 Years Seasoning Foreclosure, Short Sale, BK, DIL
  • Non-Warrantable Condos Considered
  • 5/1 ARM Or 30-Year FixedGift Funds Allowed
  • No Pre-Payment Penalty F
  • Georgia SFRs, Georgia Townhomes, Georgia Condos, Georgia 2-4 Units
  • Seller Concessions To 6% (2% For Investment)

WE WORK WITH EVERYONE UNTIL THEY GET APPROVED!!

WE WILL SHOW YOU HOW TO GET APPROVED!

www.Georgia-Mortgage-Lenders.com

 

It is only available for Georgia properties.   If you have a vacation home or 1-4 unit Georgia homes that will qualify as well but at lower loan to value limits.  Below is a quick chart to use and see our guidelines quickly

Quick Guidelines

Bank Statement Program
Georgia Loan to Values
  Purchase or Refinance Cash Out Refinance
Georgia Owner-Occupied and Rental Homes 85% 65%
Georgia Non-Owner occupied 1-4 units 75% 65%

 


Georgia Loan Amounts
Minimum Maximum Cash-out Maximum
$100,000 $  1,500,000 $300,000

 


Georgia Terms
Margin Caps Index
2.75 5/2/5 1 Year Libor

BREAKING NEWS!

NOW WE CAN APPROVE MIXED BOTH BUSINESS AND PERSONAL DEPOSITS!

24 Months Bank Statement Only Georgia Mortgage Lenders

Georgia Mortgage Lenders offers  both 12 and a  24-Month Georgia Bank Statement Program.

Bank Statement Only FL Borrower Employment Types:

Georgia Self Employed – Must provide Georgia business license, Tax Preparer’s letter or corporate paperwork.

We accept Georgia Personal or Georgia Business Bank Statements. However, qualifying income will be calculated differently. Here are some examples:

Georgia Personal Bank Statement Only Loan With: 100% of Deposits

Add all Georgia bank statement deposits for all 24 months and divide that amount by 24 to receive the monthly income amount

Ex. 24 months deposits total = $200,000 / 24 = $8,333 a month income.

Georgia Business Bank Statements: 50% of Deposits

Add all deposits for all 24 months, divide by 2, and then divide by 24 to receive the monthly income amount we will give to the borrower.

Ex. 24 month deposit total = $500,000 / 2 = $250,000 / 24 = $10,333 a month income.

The AltQM™ Series makes it possible to say yes.

AltQM™ INVESTOR | AltQM™ AGENCY PLUS | AltQM™ ALTERNATIVE DOCUMENTATION

Purchase | Rate/Term refi | Cash Out refi

For high net worth or self employed Georgia bank statement borrowers, the AltQM™ Alternative Documentation program features reasonable qualification based on either bank statements or eligible assets.

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Bank Statement Only Georiga Mortgage Lenders– Buy a home using only your bank statments with NO TAX RETURNS! Call Now Same Day Pre Approvals!