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Bank Statement Program

Graham Pruitt

Published 1 month ago

Key Highlights
▶ 1099, 12-Month, and 24-Month Bank Statement Income Qualification Available
▶ Loan Amounts Up To $3,000,000
▶ Credit Scores Down to 620
▶ DTI Up to 55% Considered
▶ LTV Up to 90% for Purchases and Rate& Term with No MI Considered
▶ Cash-Out Up To $750,000, Max 85% LTV for Primary Residences
▶ Owner Occupied, Second Home or Investment Property
▶ Foreclosure, Bankruptcy, Prior Forbearances & Late Payments May Be Allowed
▶ Augmented Asset Utilization Up to 90% LTV
▶ Standalone Asset Utilization to 80% LTV for Purchase, 75% LTV for Cash-Out
▶ Gift Funds & Seller Concessions Allowed
▶ 40-Year Fixed, 30-Year Fixed (with option for 10-Year Interest Only)
▶ First Time Homebuyers Allowed
▶ Non-Warrantable Condos, SFD/SFA, Condo, and 2-4 Units Permitted
▶ Second Homes Up to 90% (No MI)
▶ Condos Up to 90% LTV (No MI)
▶ Non-Warrantable Condos Up to 85% LTV (No MI)
▶ Subordinate Financing Up To 90% CLTV
▶ Investment Properties Up to 80% LTV
▶ Foreign Nationals Offered

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Recent Reviews

Charles A.

"The amazing service of Mr. Pruitt"


Kilara C.

"I was made to feel comfortable all along with the process and my questions were always answered and quickly. Graham and the team were also very flexible with my travel schedule and communication etc."


Nathaniel S.

"You entire team, top to bottom, was so helpful in this process and we can't tell you how much we appreciate it. Thank you!!"


Suchitar L.

"Very smooth transition with all your team ."


Suraj S.

"Right from the application stage to finalizing the loan I have been getting regular updates at each stage of the process. Very courteous and understanding displayed in the whole process."


Alexa S.

"My husband and I felt very well-informed throughout the entire process. Everything was explained to us from the very beginning including all necessary steps to expect throughout the process and the status of our application. It was extremely convenient using the app to compete our required tasks, and I never had an issue contacting any member of Graham's team for assistance if I had any questions. All emails were responded to promptly, and Graham's team worked very well with our agent and title company."


Carmen O.

"Timely responses yo questions"


Victoria E.

"Friendly and great communication, made the processes easy!"


M K.

"Thank you for the service and on-going communication, particularly Siham who went beyond the call of duty to meet the deadline. Thank you, Kamel"


Graham N.

"quick response to our many questions."


John H.

"Met my aggressive schedule and closed without issue."


Duncan F.

"Graham and his team helped our mutual client qualify with competitive rates and provided World-Class Service!"


Laura T.

"Responsive, quick, understanding service!"


Bethany F.

"Graham and team supported us every step of the way! They always made time to answer questions that we had to help make our home purchase decision."


National Rate Averages

Conf. 30Y Fixed


FHA 30Y Fixed


Jumbo 30Y Fixed


Rate averages are calculated from actual locked rates. Learn more.

Affordability Presentations

13 Presentations

Credit Presentations

1 Presentations

First Time Home Buyers Presentations

3 Presentations

Non-QM Presentations

1 Presentations

Intercoastal Mortgage LLC

Company NMLS# 56323

11325 Random Hills Rd.
Suite 600
Fairfax, VA 22030
  • Equal Housing Opportunity Logo

Company NMLS ID # 56323 ( • This is an advertisement, not a guarantee of lending. • Licensed in Virginia, Maryland,
Washington DC, Delaware, Pennsylvania, West Virginia, Tennessee, Colorado, North Carolina, South Carolina, Georgia and Florida • ICM,LLC 072020

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