For borrowers using bank statements to qualify.

The SmartSelf program qualifies self-employed borrowers using bank statement revenues instead of tax returns. First time homebuyers and seasoned homeowners alike are eligible to finance and refinance a new home, second home, or investment property with this program.


  • Use bank statements to qualify
  • No tax returns required
  • Asset Depletion/Amortization may be used to qualify
  • DTI up to 50%, 620 min. FICO
  • Loan amounts up to $3M
  • 90% LTV Purchase/Rate & Term - No MI
  • 85% Cash-Out - No MI
  • $1M cash-in-hand/debt payoff
  • Up to 15 financed properties
  • Fixed 30, ARM 5/1, 7/1, 10/1 - all with optional Interest Only; 40 yr Interest Only
  • 4+ years major derogatory credit
  • Reserves waived for RT Refis (LA < $1.5M, 0x30x12, and decreasing mortgage payments)

SmartSelf Plus:

  • Loan amounts up to $1.5M
  • Use cash-out for reserves to qualify
    • 2-4 years major derogatory credit 
    • 85% LTV Purchase/Rate & Term - No MI
    • 80% Cash-Out



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