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Stated Income and Bank Statement Loans for the Self-Employed

Are you self-employed? Think it will be difficult to get a home loan? Don’t have a lot of income proof like W-2’s? THAT’S OKAY! 


Enter the Bank Statement and Asset Home Loans

If you’re like many of the business owners we work with ie: Doctors, Attorneys, Contractors, R/E Agents, Small Business Owners, you maximize your business expenses & deductions on your tax return.

We Get it!

We understand your financial profile is different from borrowers who earn a salary. Because our bank statement program is different, it allows you to qualify based on 12-24 month average of deposits.

So now you have the opportunity to get a home loan, regardless of your write-offs.

New Jersey and Pennsylvania Mortgage Rates


Maximum LTV/CLTV/HCLTV (%) • Purchases: 80% • Rate/Term Refinance: 80% • Cash-outRefinance: 60%
Minimum Credit Score • 680 –719 FICO: Maximum 70% LTV • 720+ FICO: Maximum 80% LTV
Occupancy/Number of Units Eligible: • 1- and 2-unit Principal Residences (including condos andPUDs)
Conventional loans only, not offered on Government or Jumbo loans
All account holders must be borrowers on the loan 
Demand deposits, savings accounts or certificate of deposits will be calculated at 100% of the value
Stocks, bonds, mutual funds, or U.S. savings bonds will be calculated at 70% of the value • Only funds that can be withdrawn without penalty can be used
Any account used for income cannot also be used as an additional income stream (e.g. dividends&interest or capital gains income)
Minimum Asset Amount • Purchase & Rate/Term Refinance: the lesser of 1½ times the loan amount or $500,000
Asset Seasoning Requirement • Purchase & Rate/Term Refinance – 12 months with credit score>720 – 24 months with credit score <720


New Jersey and Pennsylvania Mortgage Rates


Ash Chabra

“Thank you so very much for sponsoring the event on such short notice — it was awesome!!! The high energy; superb coordination; beautiful voices of the singers and artists were mesmerizing-it transported one to a different world. Also, the general decor of the hall; sound system; comfortable seating and overall arrangements were very good. I have to commend you on your unique “system in the madness “– to encourage these young and upcoming artists –good thinking!!! And your generous hospitality for pre-function snacks and dinner are gratefully acknowledged Thank you God Bless Ash NJ 08850”

Madhan Soupramanien

“I just wanted to say thank you for the service you had provided me towards the closing of my mortgage re-finance recently. Throughout the process you kept me informed promptly of all updates. The whole process until the closing was smooth without any issues. The various refinancing options you had provided me upfront on our first visit helped me clearly understand the current environment. I would work with you again in the future without any hesitation and would recommend you to anyone.”

From New Jersey

“Highly likely to recommend Closed purchase loan. • Responsiveness: 5/5 • Knowledgeable: 5/5 • Helpfulness: 5/5 • Follow Through: 5/5 I am very impressed with Anil and Saroj for their commitment to providing top-rated service to their customers. Anil spent a lot of time explaining various mortgage products and let me take the decision based on my situation. Saroj and Pinaki are very professional and followed up with me until the loan application is complete. There were no surprises in the last minute or no teaser quotes online. The whole process took less than one month. I highly recommend Xpress Financial for their excellent service.”

Ahsanul Aziz

“It was a great experience with Anil and Saroj and I am extremely pleased with them for their tremendous dedication to helping me get the mortgage. I found Anil to be very professional, knowledgeable and experienced in his field. Saroj was always on top of the process and immediately available with responses. Their level of service, responsiveness, and professionalism was beyond repute, and I would highly recommend their services to any prospective borrower.”