At Key One Financial we understand that there are times when self employed individuals may have a difficult time documenting their income through traditional methods. That’s why we offer a variety of stated income and bank statement programs to better meet the needs of our clientele.
How it Works
- We use bank statements and assets to help you qualify rather than tax returns or W2s.
- Credit requirements can be less restrictive than conventional financing options.
- Past credit events such as bankruptcies, foreclosures, and short sales may be fine after two years.
- Business and personal bank statements may be used to help qualify
Qualification Requirements*
- Up to 90% LTV no MI
- Credit scores down to 600
- 12 month personal bank statements
- 24 month business bank statements
- Loans up to $3 million
- DTI up to 50% considered
- Owner-occupied, 2nd homes and investment properties
- 2 years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
- Interest-only available
- 2 year self-employed required
- No tax returns required
*Additional term and conditions may apply. Qualifications may change from what is posted on this page. Please contact an Key One Financial Inc Mortgage Professional for the most up-to-date information.
Got questions? Give us a call! One of our mortgage specialists would be happy to answer all of your questions and get you started with a great low rate today!
Working with Key One Financial
- We put YOU first.
- Key One Financial offers some of the most competitive rates in the Nation!
- Fast and efficient, we close most of our loans in 30 days or less.
- We offer a variety of loans. Key One Financial Inc can help you find the loan that is right for you!!!
Call us today for a free consultation – 360-573-4421
