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Income Express (Self-Employed) Home Loan

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What is an Income Express Loan?

Our Income Express loan is a unique mortgage product designed exclusively for the self-employed. BrightPath understands the challenges and needs of the self-employed borrower. You work hard for your money, and shouldn’t have to spend more than other borrowers just because you don’t get a W-2 at the end of the year.

Why an Income Express Loan?

People who are self employed often have to provide more proof of income than people whose employers issue W-2s. Many lenders are reluctant to provide conventional mortgages to the self-employed, pushing them to low- or no-documentation loans, which have higher interest rates than conventional mortgages.

An Income Express loan makes it easier for self employed borrowers to obtain a better interest rate by providing either 12 or 24 months of personal or business bank statements to verify their income. Borrowers can apply for an Income Express loan as soon as one day out of bankruptcy.

What are the Income Express Loan Requirements?

    • Borrowers with a credit score of at least 640 and can provide 24 months of bank statements are eligible to borrow between $75,000 and $1.5 million.
    • Borrowers with a credit score of at least 680 and can provide 12 months of bank statements can borrow between $75,000 and $1 million. 

If you would like to explore self employed mortgages or other mortgage products available from BrightPath, please call us at 888-222-6003, or complete our simple form below. One of our experienced mortgage specialists will contact you.



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