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Looks like you have your answer. AR has many great lenders that hopefully will read this and provide more options as well.
harjeet is correct. angel oak does. many brokers rep for them
You can use Angel Oak. They have program for self-employed borrower for 24 month bank statements. I can give you our company rep name and phone# or You can go directly to their website.
Hope you found the right lender.
I think they like to see the tax returns to make sure that you filed them.
I have a stated loan income where I provided nothing. Not sure anyone is doing those right now, but I've never been late on my mortgage.
You have the answers.
There are several and many more coming soon
- Angel Oak
- Citadel Servicing
Depending on credit profile, you can get as little as 10% down on a purchase. 2 year average of deposits on either business or personal bank statements. 50% of the average deposits for business--100% for personal--NSFs can be a problem, so watch for those. The business must be 100% owned by the borrower and will require a CPA letter to corroborate. A letter explaining the business will also be required.
IFFG seems to be the most aggressive on rates. I've seen them into the 4's recently. They also have programs for folks with recent bankruptcy and foreclosure--1 day out if there is a significant down payment.