Bank Statement Programs are designed for self-employed borrowers and business owners who prefer to qualify using cash flow rather than traditional tax returns. Instead of focusing on W-2 income, these programs review bank deposits to better reflect real earnings. Jeff Entratter helps borrowers leverage this flexible option to secure financing with clarity and confidence.
Many borrowers have strong cash flow but don’t qualify under conventional guidelines. Jeff reviews your personal or business bank statements to assess income accurately and structure a loan that fits your financial reality. This approach allows for greater flexibility while maintaining a responsible and transparent lending process.
Jeff Entratter walks you through documentation requirements and keeps the process organized from start to finish. With consistent communication and hands-on support, you’ll know exactly what’s needed at each step. This streamlined approach helps reduce delays and keeps your loan moving forward smoothly.
Qualify using bank deposits instead of tax returns
Ideal for self-employed and business owners
Flexible income calculation methods
Reduced documentation compared to traditional loans.
Bank Statement Programs provide a practical alternative for borrowers with non-traditional income structures. These loans are designed to align financing with real-world earnings while offering predictable terms and manageable payments. With the right strategy, borrowers can confidently move forward toward homeownership or investment goals.
Choosing the right mortgage partner is one of the most important financial decisions you’ll make. At Jeff Entratter – New American Funding, we make the process simple, transparent, and stress-free. Our approach combines personalized guidance, flexible lending solutions, and a commitment to helping clients achieve their homeownership or investment goals. With years of experience and a focus on your unique financial situation, Jeff ensures that every step of the mortgage journey is handled with clarity, confidence, and care.
Customized Loan Solutions – Designed to match your unique financial situation and homeownership goals
Adaptable Financing Options – Flexible solutions that fit your current needs and future plans
Clear and Honest Guidance – Open communication every step of the way, with no hidden surprises
Smooth and Timely Closings – Ensuring a fast, stress-free path from application to funding
Every borrower’s situation is unique. A mortgage professional can assess your financial goals, income, and credit profile to recommend options that best fit your needs.
Your affordability depends on income, expenses, and credit history. Loan officers can help calculate realistic monthly payments and determine your borrowing capacity.
Typical documents include income verification, bank statements, and identification. Exact requirements vary depending on the type of loan and your financial situation.
Processing times vary based on the complexity of the loan and documentation. Most loans can close within a few weeks if all documents are in order.
Yes! Pre-approval gives you a clear idea of how much you can borrow, helping you shop for a home confidently and giving sellers assurance that you’re a serious buyer.
Jeff Entratter specializes in helping borrowers secure loans that match how they truly earn. With a focus on personalized guidance and clear communication, Jeff ensures a smooth experience from application to closing. Fill out the form below to explore Bank Statement Program options and take the next step toward your financial goals.
400 Skokie Blvd # 100, Northbrook, IL 60062
Richard Thomas Ellis – Pilgrim Mortgage
Corporate Address: 8900 Business Park Dr. Austin, TX 78759
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