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GeorgiaMortgage.com, powered by MortgageDepot, is a licensed Georgia mortgage broker, and we know how to finance properties in the state of Georgia. If you’re self-employed, own a business, or have multiple income streams, qualifying for a conventional mortgage can be frustrating. That’s why our Non-QM Bank Statement Program offers mortgage financing without the need for tax returns or W-2s, just your business or personal bank statements.
Georgia’s economy thrives on small businesses, independent contractors, and real estate investors, making our Bank Statement Program the ideal mortgage option for securing financing in the state. By using 12 to 24 months of business or personal bank statements.
- 30-Year Fixed, 15-Year Fixed, and 7/6 ARM, plus 7/6 Interest-Only options
- Up to 90% LTV with No Mortgage Insurance (MI)
- Maximum 50% DTI for aggressive qualification
- Eligible for Non-Warrantable Condos across Georgia’s thriving markets
- No 4506-C or tax returns required
- W-2 income allowed (great for borrowers with hybrid income)
- Expense ratio documented easily with a CPA letter
- Reserves on PITIA (subject property only)
Non-QM Loans
Our Non-QM loan programs are ideal for Georgia homebuyers and investors who may not meet conventional mortgage requirements but have the income, assets, and credit strength to support a loan. Whether you’re buying a home in Atlanta, investing in Savannah, or refinancing in Alpharetta, our Bank Statement Program provides access to competitive terms.
Contact us to learn how our Bank Statement Program.
