Applying for your loan begins with a complete application, source documents, and credit report,

These are the most common source documents:

1.  ID: Usually your drivers licence, or your work permit with your social security card copy & DBA & LLC Articles...

2. EMPLOYMENT & INCOME: Minimum one to three years of employment & income history, but more is better.

3. INCOME DOCUMENTS: 

   • Tax Returns for the last 2-3 years. NOTE: Your program might use Bank Stms. instead.

   • If self-employed: verification of business being active: Invoices, orders...

   • If a W-2 employee also, then the latest 30-days of pay stubs & your W-2's for last two-three years.

   • Balance Sheet, Profit & Loss statement, Income Statements, Rent Rolls, and such, depending on type of business.

4. Alternative Documentation as Income, or No Tax Return Program using Assets or Bank Stmts as income:

   •  Use 12-36 month bank stmts instead of tax returns (10%+ down) Every program is different so call me please.

   • A Profit & Loss schedule only (20%+ down payment) or call for other options.

   • Asset Based only: No credit, no job, no income, just qualify based on the asset or collateral, usually at 50%+ Loan-to-Value.

5. BANK STATEMENTS / ASSETS FOR CLOSING:  most recent 3-months with funds for down payment selected, closing costs & reserves. Being a Broker, we find what you need...

You can begin over the phone or through our website.