If you’ve been waiting for the “perfect moment” to buy a home, you’re not alone. Many buyers watch mortgage rates like stock prices, hoping to catch the market at its absolute lowest point. But here’s the truth: the best time to buy isn’t when rates hit a magic number — it’s when you’re financially and emotionally ready to take the next step toward your goals.
Markets move in cycles, but opportunity is constant. Smart buyers focus less on short-term rate dips and more on long-term stability. Even a small rate change is often outweighed by home appreciation, potential tax benefits, and the comfort of having a place to truly call your own. The key is understanding your numbers and working with a professional who can help you navigate them.
In fact, trying to “time” the housing market can backfire — while you wait, prices can rise, inventory can shrink, and the perfect home for you might slip away. By getting pre-approved and locking in expert guidance, you put yourself in control instead of letting market headlines make the decisions for you.
For more information, and to discover how you can make confident moves in today’s market, please visit our website to schedule a consultation today.

Qualify with 1099 income when W‑2s don’t tell your story. Learn how 1099 programs work, docs you’ll need, and smart steps to compare options.
Published: November 2025

Independent earners—contractors, creators, agents, consultants—often see taxable income shrink after write‑offs. A 1099 mortgage program can look at your actual earnings patterns to help you buy or refinance.

How A 1099 Loan Works
• Income Basis: Approval is built around your 1099 forms and/or documented earnings history (often 1–2 years).
• Underwriting Approach: Some programs average 1099 income; others may use recent-year totals with stability checks.
• Use Cases: Purchase, rate/term refinance, or cash‑out for growth, debt consolidation, or renovations.

Who It’s For
• Contractors, sales pros, real‑estate agents, creatives, gig workers, rideshare drivers.
• Borrowers with strong revenue history but heavy deductions on tax returns.
• Households with variable or seasonal income who can evidence consistency.

What To Prepare
• 1099s (typically 1–2 years) and year‑to‑date earnings reports.
• Bank statements that align with your 1099s; proof of ongoing contracts, where applicable.
• Asset statements for down payment, reserves, and closing costs.
• Government ID, credit authorization, and (for purchases) your executed contract.

Pros & Considerations
Pros
• Tailored to non‑W‑2 income; reflects real earning power.
• Can open purchase/refi paths when standard underwriting falls short.
• Works alongside other programs (Bank Statement, DSCR for investors).

Considerations
• Terms, LTVs, and reserves may differ from conventional programs.
• Documentation must show stability and tie out deposits to income sources.
• Availability and guidelines vary by lender and state.

6 Smart Steps
1) Revenue Map — Gather your last 24 months’ 1099s and a month‑by‑month earnings snapshot.
2) Bank Alignment — Make sure deposits match your revenue narrative.
3) Seasonality Note — Write 2–3 sentences explaining big months or slow periods.
4) Reserves Plan — Document liquid assets and emergency cushion.
5) Program Comparison — 1099 vs Bank Statement vs W‑2 (if applicable).
6) Pre‑Approval — Lock your budget before you shop.

FAQs
Q: Do I need tax returns?
A: Some 1099 programs do not require them for income qualification; policies vary. Be prepared to provide them for background review.

Q: Can I combine 1099 and bank statement documentation?
A: In some cases, yes. We’ll pick the route that best represents your income.

Q: Are 1099 loans only for purchases?
A: No—refinance and cash‑out may be available depending on eligibility.

Cta
Ready to leverage your 1099s? Apply with New Wide Lending at /apply.
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Disclaimer:
Subject to credit approval. Not a guarantee to lend. Programs, rates, and terms may change without notice. Licensed in CA, TX, FL & GA. CalDRE #01928649 • NMLS #1339357. Equal Housing Lender.

(Whether you already own or you’re buying your first home)

If you’ve been watching rates, you know the real game isn’t just rate—it’s monthly payment. In a market where every dollar counts, the winning move is choosing the financing strategy that delivers the most payment power for your situation.

This guide gives fast, practical plays for:

Homeowners who want to lower payments or tap equity, and

First-time buyers who want to qualify and keep payments manageable.
Commercial and residential borrowers welcome.

How to use this guide

Skim the 9 Payment Plays below and grab the ones that fit your timeline and goals. Each play includes Best for, Why it works, and Watch-outs—so you can move with confidence.

1) Temporary Buydowns (2-1 / 1-0)

Best for: First-time buyers and move-up buyers using seller credits or builder incentives.
Why it works: A 2-1 buydown reduces your rate by 2% in year 1 and 1% in year 2, dropping your payment during the expensive early years.
Watch-outs: Payment steps up; budget for the increase or plan a future refinance.

2) HELOC vs. Cash-Out Refinance (side-by-side)

Best for: Homeowners with equity who need funds for renovations, debt consolidation, or an ADU.
Why it works:

HELOC = flexible, interest-only access to cash without touching your first mortgage.

Cash-Out Refi = one new loan that can simplify your total payment if consolidating debt.
Watch-outs: HELOCs are typically variable; cash-out refis may reset your term.

3) Interest-Only Loans

Best for: High earners with variable income (bonuses/commissions), investors, and self-employed borrowers focused on cash flow now.
Why it works: You pay interest during the initial period, keeping payments lower while you build reserves or ramp up your income.
Watch-outs: Principal isn’t reduced during the IO period; plan for the step-up when amortization begins.

4) Bank-Statement & 1099 Loans (Self-Employed)

Best for: Entrepreneurs, contractors, and gig-economy pros whose tax returns don’t reflect true cash flow.
Why it works: Qualify using 12–24 months of deposits or 1099s instead of W-2s.
Watch-outs: Rates and down payments can differ from conventional; consistent deposits help.

5) DSCR Loans (for investors & house-hackers)

Best for: Buyers focused on rental income—single units, small multis, or an ADU.
Why it works: Approval is based on the property’s Debt Service Coverage Ratio (DSCR): Rent ÷ PITI. If income covers the payment, you may qualify without traditional income docs.
Watch-outs: DSCR guidelines vary; reserves and down payment requirements apply.

6) The ADU Strategy (Accessory Dwelling Unit)

Best for: Owners who want to offset their mortgage with long-term rental income or support multigenerational living.
Why it works: Finance with a HELOC, cash-out, or renovation loan, then use the ADU rent to reduce net housing cost.
Watch-outs: Check local zoning/permits and plan for construction timelines.

7) PMI Tactics (for low-down buyers)

Best for: Buyers putting less than 20% down or owners who’ve built equity.
Why it works: You can remove PMI once you hit certain LTV thresholds—sometimes with a new appraisal.
Watch-outs: Don’t assume PMI is forever; set reminders at 80% or 78% LTV.

8) Mortgage Recast vs. Full Refinance

Best for: Owners who receive a lump sum (bonus, sale proceeds) and want a lower payment without changing the rate.
Why it works: A recast re-amortizes your existing loan after a large principal payment—no new rate, minimal cost.
Watch-outs: Not all loans allow recasts; call your servicer first.

9) Assumable Loans & Smart ARM Choices

Best for: Buyers of homes with FHA/VA loans at lower legacy rates, or buyers expecting income/rate relief in the next 5–7 years.
Why it works: Assumption lets you take over the seller’s existing rate/terms. Modern ARMs can offer meaningful upfront savings.
Watch-outs: Assumptions require servicer approval and may require additional funds for the seller’s equity.

Quick Compare: HELOC vs. Cash-Out vs. Interest-Only
Feature HELOC Cash-Out Refi Interest-Only
Access Equity Yes (line of credit) Yes (new first mortgage) N/A (purchase/refi product)
Touches Current Rate? No Yes Yes (new loan)
Typical Payment Interest-only during draw Fully amortizing Interest-only during IO period
Rate Type Usually variable Fixed or ARM Fixed or ARM
Best When You want flexibility You’re consolidating debts You need cash-flow relief now
Watch-outs Rate can adjust Resets term/closing costs Plan for payment step-up
Two One-Page Roadmaps
If You’re a Homeowner

Need cash quickly? → Start with a HELOC.

Juggling high-interest debt? → Compare cash-out refi vs. HELOC (consolidation vs. flexibility).

Payment relief needed? → Consider interest-only or a recast (if eligible).

Want long-term savings? → Refinance when breakeven (closing costs ÷ monthly savings) is within your time-in-home.

Create income? → ADU plan: budget, permits, rent estimate, then finance.

If You’re a First-Time Buyer

Payment is the hurdle? → Use a temporary buydown + seller credits; compare ARM vs. fixed.

Is income proof tricky? → Explore bank-statement/1099 options.

Offset payments with income? → Consider house-hacking via DSCR or an ADU-ready property.

Low down payment? → Pick programs with manageable PMI and set removal milestones.

State Tips: CA • TX • FL • GA

California (CA)

Strong interest in ADUs: highlight ADU financing + rent-offset scenarios.

Refi/PMI removal is often driven by appreciation—ask about re-appraisal.

Local permitting matters—factor in timelines when budgeting.

Texas (TX)

Texas has unique homestead equity rules (cash-out/HELOC).

Emphasize cash-out vs HELOC decisioning with conservative LTV examples.

Watch property-tax impacts on escrow/PITI.

Florida (FL)

Insurance is a significant driver—model total PITI with insurance and wind-mitigation credits.

Condos: note reserve/budget requirements.

ADU/garage conversions vary by city; check zoning regulations first.

Georgia (GA)

Atlanta metro: Pair buydowns with seller credits to keep payments in check.

Investors: DSCR messaging resonates—quick test: Rent ÷ PITI ≥ 1.0–1.2.

Compare taxes/HOA across neighborhoods in your PITI.

Mini Checklists (save these)

HELOC vs. Cash-Out Break-Even

How much do you need?

Lump sum or staged draws?

Compare total interest over 24–36 months.

Consolidating debt? A cash-out refinance may simplify and fix the rate.

Buydown Snapshot

Year-1 vs. standard payment

Year-2 vs. standard payment

Who funds the credits? (seller/builder/lender)

Refi plan if rates improve

DSCR Quick Test

Estimated monthly rent: ______

Estimated PITI: ______

DSCR = Rent ÷ PITI → If ≥ 1.0–1.2, you may be close

FAQ

Is interest-only “risky”?
It’s a cash-flow tool. Payments are lower up front; later they step up when principal repayment begins. It can be a fit for variable income or short holding periods—if you plan for the step-up.

Can ADU income help me qualify?
Often, yes—guidelines vary. Some programs allow market rent to be considered. We’ll show what counts for your scenario.

How fast can I remove PMI?
If your LTV reaches 80% (via payments, appreciation, or improvements), request removal or an appraisal review. At 78%, many loans drop PMI automatically per schedule.

Get your custom 3-Option Payment Plan.

In 24 hours, we’ll compare your best HELOC, Purchase/Refi, and (if applicable) Interest-Only or DSCR paths—side by side with projected monthly payments.

Pick your path:

Homeowners: Compare HELOC, Cash-Out, and Recast options.

Self-Employed: Bank-Statement/1099 pre-check available.

ADU Curious? Request a free rent-offset estimate.

Subject to credit approval. Not a commitment to lend. Programs, rates, and terms are subject to change. Licensed in CA, TX, FL & GA. CalDRE #01928649 • NMLS #1339357. Equal Housing Lender.

The ghosts and goblins may be out this month, but buying a home doesn’t have to be scary. While the headlines can make the mortgage market sound like a haunted house, today’s buyers actually have more tricks and treats to look forward to. From improving credit scores to exploring creative loan programs, there are plenty of ways to turn those frights into financial delights.
This Halloween season, smart homebuyers are getting ahead of the curve by locking in favorable terms before year-end. As interest rates show signs of easing, the window for opportunity is creaking open. Refinancing or purchasing before the next rate change could save thousands over the life of your loan — now that’s something worth celebrating with a pumpkin-spiced latte!
And for those still renting, remember: every rent check is a ghost of wealth that could have been. Homeownership remains one of the most powerful ways to build equity and stability — no costume required. With expert guidance, even first-time buyers can find a program that fits their budget and lifestyle.
So don’t let mortgage myths spook you this October. Our team is here to shine a light through the fog and guide you safely home. For more information or to schedule a consultation, visit our website today — no tricks, just treats! 🏡👻

Buying a home isn’t just about finding the right property—it’s also about timing. Different seasons bring their own unique opportunities and challenges for homebuyers, and understanding these can help you make more informed decisions. For instance, spring is often seen as the busiest time of year, with more homes appearing on the market. This means you’ll have more choices, but you’ll also face more competition.

Fall usually slows down the market a bit, giving buyers a chance to enjoy less competition and maybe snag better deals. Sellers who keep their homes listed during this period often feel more motivated, which can give you more room to negotiate. Winter, though, tends to have the fewest listings, but it also presents some great bargains for those willing to shop during these quieter months.

The best time to make a purchase really depends on what matters most to you. If you’re looking for the biggest variety or the best chance to negotiate a good deal, choosing the right moment can really help. Feel free to visit our website and schedule a consultation at your convenience.

In summer, many families are eager to buy and settle in before the new school year starts, which can increase demand. On the bright side, summer also offers more open houses and flexible showing times, making it easier to explore different neighborhoods and find the perfect fit for your lifestyle.

Disclaimer:
Subject to credit approval. Not a commitment to lend. Programs, rates, and terms are subject to change without notice. Licensed in CA, TX, FL & GA. CalDRE #01928649 • NMLS #1339357. Equal Housing Lender.

Leverage home equity for ADUs, renovations, debt consolidation, or investments. See how cash‑out refis work and how to compare them to HELOCs.
Published: November 2025

If your equity has grown, a cash‑out refinance can convert part of it into funds for projects and plans—while rolling everything into a single new mortgage.

How Cash‑Out Refi Works
• New Loan Amount: Replaces your current mortgage with a larger one; the difference pays out at closing.
• Payment & Rate: Your payment resets based on the new balance, rate, and term.
• Use Cases: ADU builds, renovations, education, debt consolidation, business growth, and reserve building.
When It Fits
• You want one fixed monthly payment rather than a second lien.
• Your current rate/term and horizon make a reset sensible.
• You prefer closing once and funding the full project upfront.

HELOC Vs Cash‑Out Refi
• HELOC: Second lien; flexible draws; typically, variable rate risk.
• Cash‑Out: Single new mortgage; potential payment certainty; consider closing costs and breakeven.

What To Prepare
• Income/asset documentation and credit review.
• Property value (appraisal may be required).
• Project plan (if improving the home): timelines, quotes, contingency.

6‑Step Checklist
1) Goals & Amount — Define the exact use and required budget (with 10–15% cushion).
2) Scenario Modeling — Compare new payment and total cost to keeping your current loan + HELOC.
3) Breakeven Math — Weigh closing costs vs. savings or benefits over time.
4) Term Strategy — Consider shorter or longer terms to fit cash flow.
5) Appraisal Readiness — Tidy, document improvements, list upgrades.
6) Lock & Close — Coordinate payoff of the old loan and receipt of funds.

FAQs
Q: Will I need private mortgage insurance (PMI)?
A: That depends on your new loan‑to‑value and program. We’ll review options.

Q: Can I take cash out on an investment property?
A: Often yes, with different LTV and pricing limits. We’ll map eligibility.

Q: How fast can I access funds?
A: Timing varies by appraisal/underwriting and any required rescission periods.

Cta
Want to compare cash‑out vs HELOC side‑by‑side? Apply with New Wide Lending at /apply.
Compliance: Program availability and terms subject to lender approval.
—
disclaimer

Subject to credit approval. Not a commitment to lend. Programs, rates, and terms are subject to change. Licensed in CA, TX, FL & GA. CalDRE #01928649 • NMLS #1339357. Equal Housing Lender.

How interest‑only mortgages work, who benefits, trade‑offs, and when to consider them in 2025—plus steps to compare against fixed or ARM options.
Published: October 03, 2025

Essential Idea
Interest‑only mortgages let you pay only the interest for a set period (e.g., 5–10 years) before switching to full amortizing payments. That can free up cash flow during high‑expense years, build, or variable-income seasons.

How Interest‑Only Works
• IO Period: You pay interest only; principal doesn’t decrease.
• After IO: Payment steps up to include principal and interest for the remaining term.
• Fixed vs ARM: Many IO options are ARMs—know your index, margins, and caps.

Who It May Fit
• Buyers expecting rising income (medical, tech, sales, entrepreneurs).
• Owners allocating cash to renovations, ADUs, or investments.
• Investors optimizing cash‑on‑cash while stabilizing a property.

Trade‑Offs To Weigh
• Payment Shock: Understand the post‑IO payment; make a savings plan now.
• Equity Build: Without principal payments, equity relies more on appreciation and optional extra principal.
• Rate Risk: If on an ARM, model higher‑rate scenarios.

Innovative Ways to Use Interest-Only (IO)
• Pair with a side fund—automate transfers for extra principal.
• Use during build/renovation to offset carrying costs.
• Stress test at +1–2% rate scenarios before committing.

Steps To Compare
1) Model Scenarios — IO vs fully amortizing at today’s rate and at higher rates.
2) Timeline Fit — How long do you need lighter payments?
3) Exit Plan — Refinance, sell, or convert to rental.
4) Reserves — Keep a cushion for adjustments or life events.
5) Program Fit — Compare IO to a HELOC (project flexibility) or refinance (payment stability).

FAQs
Q: Do IO loans always use ARMs?
A: Not always, but many do. Read the caps and reset the rules.

Q: Can I pay principal during IO?
A: Usually yes; an extra principal reduces future payments.

Q: Is IO “riskier”?
A: It adds flexibility but requires discipline and planning.

Cta
Want to see IO vs standard payments side‑by‑side? Apply with New Wide Lending at /apply.
Compliance: Program availability and terms subject to lender approval. Not financial advice.
—
Disclaimer:
Subject to credit approval. Not a commitment to lend. Programs, rates, and terms are subject to change without notice. Licensed in CA, TX, FL & GA. CalDRE #01928649 • NMLS #1339357. Equal Housing Lender.

Real estate investing comes in many shapes — flipping, new builds, multifamily rehabs, and long-term rental portfolios. No matter your investment strategy, having the proper loan structure can make or break your profit margin.
At New Wide Lending, we partner with top-tier private lenders, such as Rehab Financial Group, to offer investors flexible, fast, and transparent loan options. Here’s a breakdown of our most popular programs and how each one can fuel your next project.

🧱 1. 100% Fix & Flip Premier Loan

Best for: Investors buying, renovating, and reselling homes quickly.

This loan covers 100% of the purchase and rehab costs, allowing you to preserve your cash for more deals.

Up to 75% ARV based on credit and experience.

Typical term: 9 months (with optional extension).

Loan amounts range from $100K to $1.25M.

Minimum FICO: 650.

Pro Tip: Have a clean scope of work and contractor bid ready — it helps speed up underwriting and ensures fast draw releases.

🏗️ 2. Ground-Up Construction Loan

Best for: Builders and experienced investors creating new inventory from the ground up.

These loans offer up to 70% of As-Completed Value (ACV) and 90% of LTC, making them ideal for developers ready to start building.

Typical term: 12 months + extensions.

Minimum FICO: 650+, with experience preferred.

Must have an entitled land and builder resume.

Close in as little as 5–10 business days.

Pro Tip: Keep your construction timeline realistic and provide your permits early — this reduces friction with draws and inspections.

🏢 3. Multi-Family (5–10 Units) Bridge Loan

Best for: Investors repositioning small apartment properties for higher market rents.

The Multi-Family Bridge program helps you acquire and rehab properties that need value-add work before transitioning into permanent financing.

Up to 85% purchase, 100% rehab, and 65% ARV cap.

Target DSCR ≥ 1.20× based on market rents.

Typical term: 9 months + extension.

Metro areas only; min value per unit ~$35,000.

Pro Tip: Present a rent roll, capex plan, and realistic rent comps. Lender’s loves seeing your exit plan toward DSCR or agency take-out refinance.

🏠 4. 30-Year DSCR (Debt Service Coverage Ratio) Loan

Best for: Buy-and-hold investors building long-term rental portfolios.

This loan focuses on property income, not personal tax returns.

Up to 80% LTV for purchase or rate-term refinance.

Up to 75% LTV for cash-out.

Fixed 30-year, 5/1 ARM, or 10-year Interest-Only options.

Minimum FICO: 640+.

Pro Tip: Calculate your DSCR early by dividing net rent by projected loan payment. A 1.25× DSCR shows positive cash flow and strong investor potential.

⚡ How to Get Pre-Qualified Fast

Select your program — Fix & Flip, Ground-Up, Multi-Family, or DSCR.

Gather essentials: ID, entity docs, credit pull authorization, REO schedule, purchase contract, scope/budget, and rent roll if applicable.

Submit your scenario — Include ARV, timeline, and exit plan.

Receive your term sheet — Typical turnaround within 24–48 hours for complete files.

Ready to start?
📩 Email: tummyholiday@newwidelending. com
or call (310) 853 -5102 ext. 800 for a same-day consultation.

💬 Quick FAQs

Can I roll points and fees into the loan?
Usually yes for bridge programs (Fix & Flip, Multi-Family, Construction), subject to caps and ARV. DSCR loans usually require closing costs to be paid upfront.

How fast can we close?
As few as 5–10 business days with complete documentation and a clear title.

What credit score do I need?
Bridge loans often start at 650, while DSCR loans may start at 640

Disclaimer:
Subject to credit approval. Not a commitment to lend. Programs, rates, and terms are subject to change without notice. Licensed in CA, TX, FL & GA. CalDRE #01928649 • NMLS #1339357. Equal Housing Lender. https://info@newwidelending.com

Learn how a Home Equity Line of Credit works in 2025—draw periods, repayment, use cases (ADUs, debt consolidation, upgrades), and how it compares to cash‑out refis.

What Is A HELOC?
A Home Equity Line of Credit is a revolving credit line secured by your home. Draw funds as needed during the draw period, repay, and reuse—ideal for phased projects or flexible cash management.
WHY HOMEOWNERS LIKE HELOCs
• Flexibility: Borrow only what you need, when you need it.
• Control: Pair with project milestones (e.g., plans, permits, materials).
• Speed: Often faster than complete mortgage refinancing for smaller needs.

How It Works
• Credit Limit: Based on equity, credit, and program guidelines.
• Draw Period: Interest‑only or interest and principal payments per program.
• Repayment Period: After the draw, the line closes and amortizes; payments usually increase.

Smart Uses In 2025
• ADU or renovation in phases; use alongside construction financing for contingency.
• Debt consolidation with a disciplined payoff plan.
• Emergency/opportunity fund for short‑term needs.

HELOC Vs Cash‑Out Refinance
• HELOC: Keep your first mortgage; flexible draws; typically variable rate risk.
• Cash‑Out Refi: One new mortgage; potentially fixed payment; consider closing costs and breakeven.

Get Ready
1. Equity & Credit Check — Confirm available equity and review your credit profile.
2. Phase Your Budget — Align draws to milestones; avoid borrowing too early.
3. Payment Modeling — Test payments at higher rates (+1–2%) to stay comfortable.
4. Exit Plan — Pay down with bonuses/seasonal income or refinance later if it fits your goals.

FAQs
Q: Can I fix part of my HELOC at a set rate?
A: Some programs allow fixed-rate “segments.” Availability varies by lender.

Q: Will a HELOC affect my first mortgage?
A: Usually, it’s a second lien; your existing first remains in place.

Q: Is a HELOC good for ADUs?
A: Often—especially for phased costs. Compare to construction loans for larger projects.

Cta
Apply with New Wide Lending at /apply.

Disclaimer:
Subject to credit approval. Not a commitment to lend. Programs, rates, and terms are subject to change without notice. Licensed in CA, TX, FL & GA. CalDRE #01928649 • NMLS #1339357. Equal Housing Lender.

Qualify using business or personal bank deposits instead of tax returns. Discover who qualifies, required documents, pros/considerations, and steps with New Wide Lending.

Hook
Write‑offs shrinking your taxable income? A Bank Statement Loan can show your real cash flow using 12–24 months of deposits instead of traditional tax returns.

How It Works
• Income Evaluation: Lenders total your eligible monthly deposits from personal and/or business accounts over a set period (often 12 or 24 months).
• Expense Factor: For business statements, an expense ratio may be applied to estimate net income (varies by lender and documentation type).
• Use Cases: Purchase, refinance, or cash‑out—especially when traditional W‑2/1040 documentation does not reflect your business reality.

Who It’s For
• Self‑employed owners, freelancers, contractors, and gig‑economy professionals.
• Borrowers with irregular income, multiple revenue streams, or significant write‑offs.
• Entrepreneurs with strong deposit history and responsible account management.

Documents You Will Likely Need
• 12–24 months consecutive bank statements (personal and/or business).
• Business license or CPA letter (varies), P&L, entity documents.
• Asset statements for reserves and a down payment source.
• Standard items include government ID, credit authorization, and a purchase contract (when applicable).

Pros & Considerations
Pros
• Reflects real‑world income when tax write‑offs are high.
• Flexible path to homeownership or equity access for entrepreneurs.
• Pairs well with purchase, rate-term refinance, or cash-out strategies.

Considerations
• Rates/terms and down‑payment requirements can differ from conventional.
• Expense factors reduce gross deposits to estimate income.
• Documentation must be complete, consistent, and verifiable.

6 Steps To A Stronger File
1) Account Audit — Choose the cleanest accounts with consistent deposits.
2) Timeframe — 12 vs 24 months: longer can smooth volatility.
3) Entity Hygiene — Align business name/EIN; limit commingling.
4) Seasonality Story — Explain big deposits or slow months in writing.
5) Reserves & Down Payment — Document sources clearly.
6) Compare Programs — Bank Statement vs 1099, P&L, WVOE, or DSCR (for investors).

FAQs
Q: Do I still need tax returns?
A: Often not for the income calculation in this program, though lenders may request them for background review.

Q: Can I use both personal and business statements?
A: Sometimes—guidelines vary. We will structure the strongest path for your profile.

Q: Can investors qualify?
A: Yes. For rental properties where property cash flow is the primary focus, consider DSCR (Debt Service Coverage Ratio) loans.

Cta
Ready to see what your deposits can do? Apply with New Wide Lending at /apply.
—
Disclaimer:
Subject to credit approval. Not a commitment to lend. Programs, rates, and terms are subject to change without notice. Licensed in CA, TX, FL & GA. CalDRE #01928649 • NMLS #1339357. Equal Housing Lender.