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AMP Mortage

Bank Statements

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Solutions for self-employed borrowers & small business owners 

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Utilize 12 or 24 Months of Bank Statements

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Supplemental full doc income allowed 

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Personal or Business Bank Statements 

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Multiple accounts/businesses may be used for business statements

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LTVs up to 90% on purchases and 80% on cash-out refinances 

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0x60x12 allowed 

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No limit on cash out up to 60% LTV, over 60% LTV, max cash out $750k 

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DTI up to 55% 

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ITIN/DACA borrowers allowed 

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1–4-unit properties, warrantable condos, PUDs, certain mixed-use properties, non-warrantable condos/condotels, Co-Ops, and manufactured homes allowed 

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Min. 660 FICO 

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Primary Residences, Second Homes, and Investment Properties

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Primary earner FICO score utilized 

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Loan Amounts up to $4MM 

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Temporary buydowns allowed 

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12 months out of a credit event allowed 

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Two years of self-employment required, less considered on an exception 

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