We say "YES" to Self Employed Borrowers and "NO" to Tax Returns!
We offer the most comprehensive Alternative Income Options For The Self Employed Borrower
Bank Statement Mortgages Qualify With Deposit income. No Tax Returns!
Asset Qualification Available
Blend W-2 income With Self Employed Income
W-2 income with Self Employed Income with Asset Qualify
No Tax Returns Required For Self Employed Borrowers
1099 Income Borrowers Allowed
Almost all Self Employed Professions allowed Jumbo Self Employed Mortgage Available To $8,000,000
Purchase - Refinance - Cash Out Refinance For All Self Employed Mortgage Products
Ultra Competitive "Bank Statement Mortgage" Interest Rates
Minimum Loan Amount for all products is $200,000
Business OR Personal Bank Statements OK!
12 Month Bank Statement Qualifier and 24 month Bank Statement Qualifier
2 month Bank Statement Qualifier Available!
Minimum 18 Months Self Employed Required On all Bank Statement Loans
Available options in all states!
If you are searching for personalized, professional and experienced help with alternative income loans then you have found your team. Unlike most of our competition, 95%+ of my funding's each month (John Peisner and Team) are for entrepreneurial's who need creative help in qualifying for a home loan. The common thread being after utilizing legal tax deductions the self employed borrower is left with a low AGI (adjusted gross income) and no longer fits into the very small traditional mortgage "box". We can qualify you off your bank deposits from business revenue (primary residence) or use true "stated income/no income" (investment property) and we simply wont need or want tax returns, 1099's or K-1's.
Interest Rates For Self Employed Mortgages-
We believe we can offer our borrowers the most competitive rate quote for self employed loans for two very important reasons.
1. We have the experience and knowledge to identify the right loan product to match each borrowers unique scenario.
2. We can offer you our proprietary self employed mortgage products AND we are approved to directly offer you WHOLESALE RATES from other banking leaders of self employed mortgages. That list includes Angel Oak Mortgage, Cash Call/Impac Mortgage, Citadel, Sprout Mortgage, DeepHaven Mortgage, and many others. With the power of Domestic FDIC Banking and a team of self employed mortgage specialists, you can count on finding the best terms for your loan scenario.
How it works -
In lieu of tax returns, k-1's, or 1099's the self-employed borrower can qualify with business earnings deposited into a business (12 or 24 months) or personal (12 or 24 months) bank account. These deposits will become the base qualifying income in lieu of traditional income documentation. Seasonal fluctuations to earnings that are normal to a given business are expected and allowed. Lower FICO scores may require 24 months bank statements.
For Lease Option to Purchase transactions executed >12 months ago I can use the CURRENT appraised value. This means any appreciation in value between sales price and appraised value is passed to the buyer as equity or down payment and thus minimizing out of pockets costs.
Please take advantage of our collective expertise in this niche and share your scenario details with us. I have one of the industries most expansive product menus and most experienced and knowledgeable staff ready to provide you a quote with ultra competitive rates. We are physically located in Colorado but as a FDIC regulated bank we are able to serve borrowers nationwide with prompt, professional and efficient funding from our home branch. Alternative Income Loan Products are our specialty and provided nationwide with the highest level of experience from John Peisner and his team from the Bank of England DTC/Colorado Branch ONLY. You are welcome to apply through our secure "apply now" application link below, but often it is best to call or email me to discuss the best fit for your needs. I look forward to hearing from you and to helping you secure a quick formal pre approval(1-2 business days) for your alternative income home loan.
Loan Amount Minimum is $200,000 on all products shown.
For questions or a personal Rate Quote please use the contact form below, call us at
(877) 393-6207 or email me with your scenario details at Jpeisner@boemortgage.com.
Myself and my team are often available 7 days a week. Please call or email and if we don't pick up we will return your call same day. ( John Peisner, Tommy Frangella, Christy Ault or Karl Wenzel)
Quick Rate Quote available with the data points requested below. Please use the contact form below to share as much about your loan scenario as you would like. This will enable us to provide a timely written quote with loan terms, rates, lender fees and estimated monthly payments. The more details you can provide the quicker and more accurately we can respond. We are usually available 7 days a week via phone or email for your convenience. Please let us know how we can help!
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