Products · Non-QM income documentation
Signed by the borrower, no preparer letter
A twelve-month profit and loss the borrower prepares and signs, with no CPA or EA standing behind it. Where a preparer is not available or not worth the delay, this is the programme that still closes.
The trade is in price rather than in eligibility: the same borrower on a CPA-prepared statement prices better. Ask the desk which is worth the wait.
Program highlights
Figures are the programme maximum at a glance. A file rarely qualifies at the maximum on two axes at once, and the guideline in force on the lock date governs. Nothing here is a commitment to lend.
Questions
Twelve months, gross receipts through to net, signed and dated by the borrower. It has to be consistent with the business's bank activity — the underwriter will compare the two.
Because nobody licensed is standing behind the numbers. If a preparer is available and the closing date allows it, the CPA-prepared programme is the better trade.
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