SP-A7 Income Per Bank Statements

SP-A7 Income Per Bank Statements

Alternative Qualification

SP-A7 Income Per Bank Statements

Designed for borrowers whose true income is documented by their bank statements. Self-employed borrowers can qualify using 50% of the revenue from their last 12 months of deposits.

Credit scores starting at 680
Up to 60% LTV (with 680 FICO)
Up to 50% DTI
Max Loan Amount $2,000,000
Min Loan Amount $100,000 (owner-occupied and 2nd homes)
9 – 12 mths PITIA reserves (based on loan amount)
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