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12 Bank Statement Loan Program

Purchase your Dream Home with only 12 Month Bank Statements

Portfolio

If you own your own business or are self-employed, you know that getting a mortgage can be difficult. Regardless of what you reported for income if tax write-offs make your business profitability low, 12 Bank Statement home loans will be your golden opportunity.

Clear Lending offers the 12 Bank Statement Loan Program for borrowers whose taxes do not necessarily reflect their actual purchasing power and thus their ability to repay the purchase of a house that might be right for you.

The Bank Statement Home Loan in Houston, Texas, whether borrower presents personal or business bank statements, is the perfect program for those self-employed borrowers whose taxes may include an elevated amount of deductions, but their company has recently become more profitable. For those cases where borrowers don't want to wait to file following years' taxes and wish to take advantage of qualifying right away, this program is the solution.

While this program is a portfolio loan program and thus doesn't have uniform underwriting guidelines for all applicants, the size and consistency of deposits from month to month are essential when evaluating qualifying options.

The basic requirements to apply for the Bank Statement Home Loans are:

Loan Program Highlights:

Benefits of 12 Bank Statement Loan Program:

Don't wait any longer and find out how much loan you can get Pre-Approved.

Whether you are considering purchasing or refinancing with a bank statement home loans in Houston or Fairfax County, Clear Lending can help you. Simply complete our secure and encrypted Pre-Approval Form online, and we will contact you right away to review the best options for you.

Not all applicants will qualify. This advertisement is not an offer for an extension of credit. Please meet with a licensed loan originator for more information as programs are available only to qualified borrowers. Programs rates, fees, terms, and programs are subject to change without notice. Not all loans, loan sizes, or products may apply. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet loan-to-value requirements, and final credit approval. Approvals are subject to underwriting guidelines and program guidelines and are subject to change without notice. Some restrictions may apply.

Customers Reviews:

  • Hector Tovar • August 14, 2019

    FROM GOOGLE: Working with Joan and his staff was an awesome experience. He was always available and ready to answer any question. They helped us with a construction loan to build our dream house. They guided us step by step making it really easy to get the One-Time-Close Construction Loan. If you want to make your dream of building your own house come true, we strongly recommend Clear Lending to be your Loan Officer.

  • Janeka Gilliam • November 25, 2018

    FROM GOOGLE: My experience with Joan and his team was absolutely WONDERFUL! They are all great at what they do! Joan is the best there is, no lie! He really knows the business & the entire process inside and out. He makes the entire process from beginning to close, easy for you! After being told by lender after lender that my husbands credit score was not high enough for a low rate, and being quoted these ridiculously high rates, we were exhausted with the whole thing and about ready to give up. But, then I ran across Clear Lending and Joan told us that was no problem and offered us the best rate that no other lender would even think of offering! From day one, he was available anytime I needed him, & he never made me feel like I was bothering him. He always had time and answered every question that I had. Joan is honest, to the point, & very helpful! I would definitely use him & his team again, and I highly recommend Clear Lending to anyone who wants to buy a home! They are truly the BEST!!!

  • Gerard Porter • December 22, 2021

    This place is the real deal if your credit isnt the best. I was denied over old stuff on my credit and after searching on Google I found this company and after reading reviews I gave a shot. It took me 7 months but after following Joan's advise, I have been able to close on my second house. I have closed in less than 45 days and while I had my doubts this would be possible The Man made it happen. Thanks Joan you got a client and a friend. Can thank you enough. I like to extend my gratitude to all his team that are very sweet and professional. Thanks again.

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