Are you a self-employed individual in Hawaii struggling to get a mortgage through traditional income calculations? C2 Hawaii has the solution tailored just for you. Introducing our Bank Statement Income Loan, designed specifically for self-employed borrowers who don’t fit into the traditional income calculation box.
Why Choose C2 Hawaii’s Bank Statement Loan?
Simplified Qualification:
-
For Self-Employed Borrowers: If you’re a freelancer, business owner, or contractor, traditional loans can be a hassle due to fluctuating incomes or significant business deductions. Our Bank Statement Income Loan looks at your real earnings, not just what’s on paper.
-
Flexible Income Verification: We accept 3 or 12 months of bank statement deposits as your income proof. This approach ensures that your actual cash flow is considered, giving you a better shot at qualifying for a mortgage.
-
No P&L or Tax Returns Needed: For those choosing the 12-month bank statement option, there’s no need to submit Profit & Loss statements. This simplifies the mortgage application process significantly, saving you time and reducing paperwork.
Loan Features Tailored to Your Needs:
-
Primary Residence, Second Home, or Investment Properties: Whether you’re looking to buy your dream home, a vacation spot, or expand your investment portfolio, our loan covers all types of property occupancies.
-
Refinance Options:
-
Rate/Term Refinance: Lower your interest rate or change your loan term without pulling out equity.
-
Cash-Out Refinance: Need cash for business expansion, debt consolidation, or home improvements? Refinance and access the equity in your home.
-
Advantages of Choosing C2 Hawaii:
-
Expertise in Non-Traditional Mortgages: At C2 Hawaii, we understand the unique financial landscape of self-employed individuals. Our team specializes in finding mortgage solutions that traditional banks might overlook.
-
Local Knowledge, Global Reach: Serving the beautiful islands of Hawaii, we combine local market insight with a broad spectrum of mortgage products to meet your specific needs.
-
Personalized Service: We pride ourselves on providing personalized service. Every client gets a dedicated mortgage advisor who navigates you through the process from start to finish.
How to Apply:
Getting started with C2 Hawaii’s Bank Statement Income Loan is straightforward:
-
Gather Your Bank Statements: Collect your personal or business bank statements for the last 3 or 12 months.
-
Contact Us: Reach out to our team for a preliminary discussion. We’re here to assess your situation and guide you on the best path forward.
-
Application: Our application process is designed to be as smooth and stress-free as possible, with experts to assist at every step.
-
Approval and Closing: With less documentation and our streamlined process, we aim for a quick approval and a seamless closing experience.
Explore Your Homeownership Possibilities Today
Don’t let traditional income verification methods stand in your way. At C2 Hawaii, we believe everyone deserves a chance to own their piece of paradise. With our Bank Statement Income Loan, self-employed individuals can now look forward to securing their dream home or investment property without the usual red tape.
Let’s turn your homeownership dreams into reality, regardless of how you earn your income.
Contact our team of local experts at C2 Hawaii to explore your options today: Contact Us
