📘 Bank Statement Loan – A Game-Changer for the Self-Employed

If you're self-employed and find traditional mortgage requirements hard to meet, you're not alone and more importantly, you're not out of options.

At LJ Realty, we’re proud to offer the Bank Statement Loan, an alternative solution that helps business owners, freelancers, and independent contractors qualify without needing W-2s or tax returns. It’s tailored for flexibility while maintaining smart financial guidelines.

🏡 Program Highlights:

• ✅ Credit Score: 720+

• ✅ Down Payment: 20% for a 1-unit property (25% for 2+ units)

• ✅ Debt-to-Income (DTI): Max 49%

• ✅ Bank Statements: 12 or 24 months (personal or business accepted)

• 🚫 No NSF (Non-Sufficient Funds) in last 24 months

• 💼 Property Types: Primary residence or investment property

• 💰 Reserves: Minimum 3 months

• ⚠️ Prepayment Penalty: 6 months of interest if refinanced within 1–5 years

This is a fantastic opportunity to leverage your actual income flow and own the home or investment property you've been working toward without the paperwork hurdles.

📩 DM us today to find out if you qualify!

LJ Mortgage Team 🏠

Your Local Guide to Homeownership

📍 127-03 Rockaway Blvd, South Ozone Park, NY 11420

📞 (516) 218-1297

Equal Housing Opportunity

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