Get Approved at The Lowest Rate
Traditional mortgage requirements in Huntington Beach, CA can often be challenging, especially for self-employed individuals or those with non-traditional income sources. A Bank Statement Home Loan offers a flexible and convenient alternative, making homeownership more accessible for those who might not fit the standard loan criteria.
A Bank Statement Home Loan is designed for individuals who can demonstrate their ability to repay the loan through their bank statements rather than traditional income documentation such as W-2s or tax returns. This loan program in Huntington Beach, CA is ideal for self-employed borrowers, freelancers, contractors, and small business owners who have a steady income but may not have the conventional paperwork to prove it.
Use your bank statements (usually 12 to 24 months) to verify income in Huntington Beach, CA instead of traditional documents like tax returns. This flexibility accommodates various income types, including irregular or seasonal earnings.
Secure financing for a wide range of loan amounts in Huntington Beach, CA, making it easier to purchase your dream home or refinance your existing mortgage.
Enjoy the benefits of competitive down payment options, ensuring you can invest in your home in Huntington Beach, CA without excessive upfront costs.
Unlike some conventional loans, our Bank Statement Home Loan in Huntington Beach, CA may not require PMI, potentially reducing your monthly payments.
Benefit from customized loan terms that suit your financial situation and long-term homeownership goals.
To qualify for a Bank Statement Home Loan, you need to meet the following criteria:
Ideal for individuals with self-employment income or other non-traditional income sources.
Provide 12 to 24 months of personal or business bank statements in Huntington Beach, CA to verify income.
A good credit score is typically required, with specific minimums varying based on the loan amount and other factors.
Ability to make a competitive down payment in Huntington Beach, CA, typically ranging from 10% to 20% of the purchase price.
Horizon Lending Services is dedicated to providing tailored mortgage solutions that meet your unique needs. Our experienced team understands the challenges of securing a loan with non-traditional income and is committed to helping you navigate the process with ease. We offer personalized service, competitive rates, and a seamless application process in Huntington Beach, CA to ensure you achieve your homeownership dreams.
Ready to explore the benefits of a Bank Statement Home Loan in Huntington Beach, CA? Contact Horizon Lending Services today to learn more about how this flexible loan option can help you purchase or refinance your home. Our knowledgeable professionals are here to guide you through every step of the process, ensuring a smooth and successful experience.
Discover how Horizon Lending Services can make homeownership a reality with our Bank Statement Home Loan program.
Applying for a 12-month bank statement loan in Huntington Beach, California offers self-employed individuals flexibility in proving their income. With this loan, borrowers can use their bank statements as proof of income, making it easier for entrepreneurs, freelancers, and small business owners to qualify for a mortgage. Demographically, Huntington Beach is a vibrant coastal city with a population of approximately 200,000 residents. Known for its laid-back beach lifestyle and youthful population, the city attracts a diverse mix of people, including families, young professionals, and surf enthusiasts. In terms of the housing market, Huntington Beach offers a range of housing options, from beachfront properties to suburban homes. The city's real estate market is competitive, with home prices experiencing steady growth over the years. The 12-month bank statement loan provides an opportunity for individuals to purchase homes in this desirable market. Some of the main attractions in Huntington Beach include its iconic pier, beautiful beaches, and vibrant surf culture. The city hosts numerous events and festivals throughout the year, drawing tourists and locals alike to enjoy its recreational activities and scenic views.
Benefits of 12-Month Bank Statement Loan in Huntington Beach, California
