How this option works
Start with the documents you already have. Depending on the lender and your circumstances, options may include traditional income documentation, eligible bank statements, or a lender-approved profit-and-loss program. Requirements vary, and a particular document or business structure does not guarantee eligibility.
What to prepare for a consultation
- Your business structure, ownership, and operating history.
- The income documents you can provide, such as tax returns, statements, or a profit-and-loss statement.
- Your property goal, current housing obligations, and available funds.
- Any recent changes in income or business operations that the lender should understand.
Questions to discuss
- Which documentation path best reflects my circumstances?
- Who may prepare a P&L statement, and what independent verification is needed?
- What are the differences in fees, reserves, and ongoing payments between the options?
A first consultation can begin with a general description. Please keep account numbers, Social Security numbers, tax returns, and other private financial documents out of the public inquiry form.
Discuss your plans with our Bay Area team
Based in Richmond, California, Pacific East provides real estate and mortgage services across the San Francisco Bay Area. Start with your property goals and an overview of the documents you can provide.
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