Self-Employed and Business Owners, as well as those who earn seasonal income, are finally starting to have access to excellent mortgage options.  This includes mortgage program does not require you to submit any tax returns, W2’s, or pay stubs; rather allow you to use bank statements to verify your income instead. As of January 2021, Fidelity Home Group is offering a 1 Month Bank Statement mortgage program where your Income is ATTESTED to and DECLARED. 

Bank Statement Program Options:

• 1 Month Bank Statement Program
• 12 month Bank Statements to 90% LTV with no Mortgage Insurance
• 24 months Bank Statements to 90% LTV with no Mortgage Insurance

1 Month Bank Statement Program Details:

• Income is ATTESTED to and DECLARED
• 75% LTV max purchase
• 70% LTV max refi (R/T & cash out)
• Loans up to $7.5 million 
• Credit scores starting at 740 
• No charge offs, collections, or tax liens
• No tax returns required
• Reserve funds are not required
• 1 Month of most recent personal bank statement
• Primary Residence Only
• First-time home buyers OK