Bank Statements – Business or Personal

Traditional income verification methods can slow down the loan process, especially for self-employed borrowers or those with non-traditional income. At Harvest Financial Associates, we offer a streamlined alternative—Bank Statement Loans, making it easier than ever to qualify for the financing you need.

• Loan-to-Value (LTV): Up to 85%
• Minimum FICO Score: 660
• Maximum Cash-Out: 80%
• Maximum Loan Amount: $3 million
• Income Calculation: We use 12 or 24 months of bank statements for income verification, offering a flexible and straightforward approach.
• Supplemental Income: Additional income sources like rental income or W-2 can be used for both the borrower and co-borrower.
• Middle Score Rule: The highest middle FICO score of the borrowers is applied when the top earner has the highest score.

With Bank Statement Loans, you won’t need to waste time gathering endless paperwork. If you’re self-employed, own a business, or just prefer a simpler way to apply, this is the loan solution designed to work with you. Whether you're securing funds for a new property or a business venture, we’ve got you covered with fast approvals and a clear, hassle-free process.