Are you looking to secure a mortgage but find traditional income verification methods are limiting your options? Supreme Lending may have the perfect loan option for you – the Bank Statement Program.

This innovative program provides an alternative route to qualify for a mortgage using your bank statements.

Program Overview

Eligibility Criteria

The Bank Statement Program is designed for borrowers who may not meet the criteria of traditional income verification. Here are some key details:

Acceptable Bank Statements: 12 or 24 months of personal or business bank statements are considered, offering flexibility to applicants.

Loan Amounts: Ranging from $100,000 to $3,000,000, the program accommodates a wide range of financing needs.

Debt-to-Income Ratio (DTI): The program allows a maximum DTI of 50%.

Occupancy Types and Loan-to-Value (LTV) Ratios

Primary Homes

90% LTV with a FICO® Score of 740

80% LTV with a FICO® Score of 660

Second Homes & Investment Properties

80% LTV with a FICO® Score of 740

Additional Flexibility

One unique feature of Supreme Lending’s Bank Statement Program is the ability to combine bank statement income with the earnings of a wage-earning spouse. This enhances the overall borrowing capacity, which may make homeownership more accessible.

Versatility in Transactions

Whether you are looking to purchase a new property, refinance your existing mortgage, or cash-out for other financial needs, Supreme Lending’s Bank Statement Program may allow more borrowers to qualify for mortgage financing. The program even supports loan-to-value reductions on cash-out transactions, providing further flexibility.

Our dedication to service and client satisfaction reigns SUPREME! We not only provide top-notch, timely communication and transparency, but our in-house processing, underwriting, funding, and closing ensure a smooth transaction. At every step of the way, Supreme Lending’s commitment to excellence shines through, offering you a mortgage experience that is both seamless and unparalleled.

We understand the complexities associated with navigating the mortgage landscape, particularly for those setting out on their first home-buying experience. Our team of committed mortgage professionals is poised to assist you at every turn, ensuring a seamless journey through the intricacies of home financing. Whether you’re a first-time homebuyer or seeking to refinance your current property, we are here to facilitate a smooth and hassle-free process for you.