SELF- EMPLOYED DOESN’T MEAN LIMITED.
Bank Statement Loan Designed for creditworthy self-employed borrowers , this program allows buyers and homeowners to purchase or refinance without tax returns by using 12 or 24 months of personal or business bank statements, making this a flexible solution for business owners and independent earners. Program Highlights & Eligibility Owner-occupied, second homes, and investment properties eligible Permanent and non-permanent residents allowed Two years seasoning required for foreclosure, short sale, bankruptcy, or deed-in-lieu
Loan amounts from $150,000 up to $4 million Up to 90% LTV, no mortgage insurance required
Credit Score & Down Payment Options 640 score, 25% down 680 score, 20% down Down payment requirements vary by credit score:
700 score, 15% down 720+ score, as low as 10% down
DeAnn Ellis Davidson Senior Mortgage Consultant NMLS# 148916 | GA MLO# 25670 120 Second St. Suite 100 Monroe, GA 30655 Office: 855-ELEMENT Cell (770) 616.8042 EllisMortgageTeam.com DeAnnEllis@elementhl.com
Equal Housing Lender. Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice. Equal Housing Lender. MLO licensing information: AL AL FL LO117378 GA 25670 SC MLO-148916 TN 148916 . NFM, Inc. d/b/a NFM Lending. For NFM, Inc.’s full agency and state licensing information, please visit www.nfmlending.com/licensing. NFM, Inc.’s NMLS #2893 (www.nmlsconsumeraccess.org). NFM, Inc. is not affiliated with, or an agent or division of, a governmental agency or a depository institution. © 2025 NFM, Inc. dba NFM Lending. America’s Common Sense Lender® Trade/service marks are the property of NFM, Inc. and/or its subsidiaries. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. nfmlending.com.
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