An FHA loan opens the door — you bring the dream.

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FHA Loans

FHA loans typically require a down payment of just 3.5% of the purchase price, making it easier for buyers to get into a home. In addition, FHA loans have more flexible credit requirements than conventional loans, allowing borrowers with less-than-perfect credit to still qualify. These factors make FHA loans an attractive option for many home buyers looking to achieve their dream of homeownership.

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Ideal Borrowers for Bank Statement Loans

Is a Bank Statement Loan Right for You?

📄 No Tax Returns Needed

Qualify using 12–24 months of bank statements instead of traditional income documents.

💼 Perfect for Self-Employed

Ideal for entrepreneurs, freelancers, and business owners who don't show income on paper.

🔓 Flexible Approval

Alternative documentation opens the door for borrowers who may not qualify under standard rules.

Is a Bank Statement Loan Right for You?

A Good Fit If…

Not a Fit If…

✔

You’re self-employed or a business owner

These loans are designed for borrowers who don’t show consistent income on tax returns.

✖

You’re a W-2 employee with clear income

If your income is easily verified with pay stubs and tax returns, traditional loans may be better.

✔

You have strong cash flow in your bank deposits

Lenders review 12–24 months of personal or business bank statements to qualify you.

✖

Your bank statements don’t reflect consistent income

These loans rely on visible deposits rather than tax returns, so irregular deposits may disqualify you.

✔

You’ve had trouble qualifying using tax documents

Write-offs and deductions can reduce taxable income — bank statements can tell a different story.

✖

You need the lowest possible rate

Bank statement loans usually have higher rates than FHA or conventional loans due to risk.

✔

You’re comfortable providing detailed bank records

Lenders will ask for a full review of your statements, so transparency is key.

✖

You prefer standard documentation

If you want a simplified approval process, a conventional or FHA loan may be easier.

What client say about us

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Darcel Ballentine

Barone LLC.

Lorem Ipsum is simply dummy text of the printing

and typesetting industry. Lorem Ipsum has been

he industry's standard dummy text ever since the

1500s, when an unknown printer took a galley of

type and scrambled.

Darcel Ballentine

Barone LLC.

FHA FAQ's

We understand that applying for an FHA loan can bring up a lot of questions, especially for first-time homebuyers. This FAQ section is here to provide clear answers and guidance, helping you feel confident and informed throughout the entire process, from pre-qualification to closing day.

 What is an FHA loan?

An FHA loan is a government-backed mortgage insured by the Federal Housing Administration, designed to help borrowers with low-to-moderate income or credit challenges qualify for home financing.

Who is eligible for an FHA loan?

Eligibility generally includes a minimum credit score of 580, a steady employment history, and the ability to make a down payment of at least 3.5% of the purchase price.