Chris Luis, My Favorite Mortgage Broker 
"I work for you, not the banks." 
NMLS 888571

CLuisMortgages. LLC             
MBR 1575, NMLS 1159714                                       
t: 800.991.3268
f: 800.718.1862
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Bank Statement Only Programs  

Here you can use bank statements to show your income and qualify for a mortgage.  

Here is how it works: 

Personal Bank Statements
  • 12 months of statements
  • 100% of Your Deposits count!
  • Count the total amount of deposits and divide by 12. 
  • No P&L is required for Personal Bank Statements.
  • Lender does not look at Withdrawals! Or Overdrafts!
  • 20% down
  • Rates vary based on credit score start @5.5% 

Business Bank Statements 
  • 24 months of Statements
  • 50% of Your Deposits count!
  • Count the total amount of deposits, divide by 2, and divide by 24. 
  • Lender does not look at Withdrawals!
  • Only 6 NSF's
  • P&L Required. 
  • 20% down
  • Rates vary based on credit score start @5.5% 




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