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Income Verification for a North Carolina Bank Statement Loan vs a Traditional Loan

Running a business is hard work but finding a mortgage solution as a business owner should not be. A Bank Statement Loan is an option for self-employed individuals and business owners, even if you have been turned down for a traditional mortgage. This type of loan benefits borrowers because it utilizes business bank accounts and does not require documents like paystubs, W-2 statements, or tax returns for income verification. Bridgewater Capital can help assess your sources of income and recommend the right traditional or non-traditional mortgage product to fit your needs.

Bridgewater Capital can provide Bank Statement Loans anywhere in North Carolina—from the mountains to the coast—including the following cities:

• Charlotte
• Winston-Salem
• Raleigh
• Greensboro
• Boone
• Blowing Rock
• West Jefferson, Jefferson
• Pinehurst
• Durham
• Concord
• Wilmington
• Atlantic Beach, Beaufort, Morehead City
• Asheville

Bridgewater Capital Business Bank Statement Loans at a glance:

  • Borrow up to $3 million

  • 15, 30, and 40 Year Fixed

  • 30 Year Interest Only and 40 Year Interest Only

  • Up to 85% LTV on Purchase, Owner Occupied, Bank Statement

  • Up to 80% LTV on Owner Occupied Cash Out Refinances

  • Up to 80% Purchase/Rate & Term on Second Homes and Non Owner Occupied with Cash Out up to 75%

  • 12 and 24 Month Personal or Business Bank Statement Program

  • Multiple expense calculation options available

  • Non Occupant Co-Borrowers allowed

  • Asset Depletion allowed

  • ITIN (Individual Tax Identification Number) accepted

  • Exceptions considered with compensating factors

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