Jumbo Bank Statement Mortgage Loans
Vibrato specializes in helping Arizona self-employed borrowers like you qualify for a jumbo mortgage (up to $4m) using the income on your bank statements (or 1099) without requiring any tax returns.
Jumbo mortgage loans tailor-made for borrowers who can't qualify using tax returns.
We'll analyze your true income by underwriting your business (or personal) bank statement revenue and use that to qualify.
Loans up to $4m with varying down payment requirements and amortization structures.
Down payments as low as 10% (up to $2m) and no mortgage insurance required even with less than 20% down. Interest-only options also available.
Purchasing or Refinancing — We Got You Covered
Jumbo Purchase
Up to 90% LTV (based on loan amount & FICO)
- Up to $4,000,000 loans
- FICO scores above 600 (depending on LTV)
- 12 or 24 Month Bank Statement options available (business or personal)
- 1099 Income options available
- Self employed 1+ year (lower LTV)
- No tax returns required
- Primary, 2nd Home and Investment properties allowed
- Condos and 2-4 Unit properties allowed
- Down payment gift funds are eligible
- No Mortgage Insurance (even without 20% down)
- Short seasoning requirements for past bankruptcy, short sale or foreclosure
Refinance / Cash-Out
Up to 80% LTV (based on loan amount & FICO)
- Up to $4,000,000 loans
- Rate/Term only & Equity Cash-out options
- FICO scores above 600
- 6 Months seasoning for Cash-Out
- 12 or 24 Month Bank Statement options available (business or personal)
- No tax returns required
- Primary, 2nd Home and Investment properties allowed
- Self-employed 1+ year (lower LTV and higher FICO required)
- Condos and 2-4 unit properties allowed
- Short seasoning requirements for past bankruptcy, short sale or foreclosure
A Streamlined, Modern Mortgage Process
1. Tell us a bit about the loan you're looking for and your business — no credit check.
We'll ask you some simple questions about the home you're purchasing or refinancing to get started (no credit check or SSN is collected).
2. We'll then discuss self employed mortgage loan options tailored just for you.
Based on the information submitted, we'll go over different mortgage types you may qualify for (interest rates, fees, terms, etc).
3. If you're ready to move forward, we'll complete your application and get started!
We'll get the last few pieces needed to complete your application (credit report and FICO score) and then get everything in motion to get your loan done!
Our Team Gets It
Vibrato was created by entrepreneurs just like yourself — we speak your language. You're at home with our team.
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Lender Labs LLC dba Vibrato, NMLS: #2420007 Arizona License: MB-1042016