Loan Products 
Bank Statement Program
Mortgages for your Self-Employed Clients
With seven methods for calculating income, FundLoans can maximize self-employed borrowers' business earnings to qualify them with bank statements alone. Multiple businesses? No problem. We'll even include a spouse's W2 income if needed. No tax returns necessary.
Our flagship bank statement programs are Apex and Arete.
Apex
Loans from $300K to $10M
- • Qualify with 12- or 24-Month Personal or Business Bank Statements
- • Variable Expense Ratio as Low as 20% Without CPA Letter
- • Can Be Combined with Other Income Sources, Including Asset Depletion
- • Up to 90% LTV
- • Min. FICO Score: 660
- • I/O Payment Option Available
- • 1-4 Unit Properties: Primary Residences, Second Homes, or Investment Properties
Arete
Portfolio 1st Mortgage — Loans from $300K to $3M
- • Qualify with 12- or 24-Month Bank Statements
- • 1099 Only Also Available
- • Up to 90% CLTV on Owner-Occupied Purchases
- • Owner-Occupied, Second Home, and 1-4 Unit Investment Properties
- • Min. Credit Score: 660 FICO
- • 30- or 40-Year Fixed and Interest-Only Available