Questions or need pre-approval Now? Call or text 602-614-7424 for all your mortgage needs!
Bank Statement Loans
Flexible mortgage solution for self-employed borrowers; qualify based on your bank statements instead of tax returns.
Bank Statement Loan Requirements
• 12 or 24 months of personal/business bank statements
• Average monthly deposits used to calculate income
• Expense factor applied to determine qualifying income
• Up to 90% loan-to-value (10% down)
• Minimum 600 credit score
Loans
Easy Loans For All
Joseph ValVerde NMLS # 1600827
Powered by Loan Factory Co-NMLS# 320841
Available 7 days a week by appointment!
Equal Housing Opportunity
NMLS Consumer Access
joseph.valverde@loanfactory.com
602-614-7424
Easy Loans For All is a division by Joseph ValVerde at Loan Factory. Not all products and loan programs are available in all states. Terms and conditions apply. This is not a commitment to lend. Rates, terms, and availability subject to change without notice.
All loans are subject to credit approval and program guidelines. Interest rates and program terms are subject to change without notice. Property insurance is required, including flood insurance where applicable. Consult a tax advisor regarding the deductibility of interest.© 2025. All rights reserved.