Non-QM & Alternative Doc
Alt-Doc — Self-Employed
24-Month Bank Statement
Two years of bank statements — often with better pricing and higher LTV than 12-month programs.
Available throughout Southern California through Francisco Williams, CCIM, NMLS #1858674.
660
Min FICO
90%
Max LTV
bank statement
Docs
Ideal borrower
Self-employed borrowers with longer tubing of deposits.
Program highlights
- Up to 90% LTV
- Better pricing than 12-month in most cases
- Business-owner percent ownership requirements vary
Typical uses
- Self-employed with 2+ years in business
Program details shown are representative guidelines and subject to individual lender overlays and CFPB / agency requirements. Rates shown are illustrative and subject to change without notice. Actual rate, APR, and terms will depend on creditworthiness, loan-to-value, property type, occupancy, loan amount, loan program, and other factors. Not all applicants will qualify.