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Bank Statement Cash Out Refinance

Turn Home Equity Into Cash With Your Bank Statements, Not Your Tax Returns

A bank statement cash out refinance replaces your current mortgage with a larger one and pays you the difference in cash, qualifying you on the deposits flowing through your bank accounts, typically 12 or 24 months of them, instead of the income shown on your tax returns. It is built for self employed homeowners whose write offs make tax returns understate what they actually earn. Based in Atlanta, our team walks self employed homeowners throughout Georgia through the numbers phone first.

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Checking your options does not automatically require a hard credit inquiry.

Atlanta based, serving self employed homeowners across Georgia.

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The First Things to Know

What is a bank statement cash out refinance?

A refinance that replaces your current mortgage with a larger one and pays you the difference in cash at closing, qualifying you on the deposits in 12 or 24 months of personal or business bank statements instead of tax returns. It is designed for self employed borrowers and business owners.

Does my current mortgage get replaced?

Yes. This is not a second mortgage. The new loan pays off your existing mortgage entirely, and your cash comes from the difference between the new loan, the payoff, and the closing costs.

How much equity do I need?

Enough that the new loan stays inside your program's cap. As a working rule, expect to keep roughly a fifth to a quarter of a primary home's value after the refinance, and more on an investment property. The current ranges are in the numbers strip just below.

Can I use the money for anything?

Generally yes: consolidating expensive debt, funding your business, renovations, or reserves. On investment properties the loan may be underwritten as business purpose financing, which comes with its own rules. What matters most is that the use justifies the cost of the money, and we talk that through honestly.

Is there a limit on how much cash I can take?

Yes. Once leverage rises, programs cap cash in hand, commonly somewhere between $500,000 and $1 million depending on the program, and some allow unlimited cash at low leverage. Most homeowners never touch these ceilings, but large equity positions do.

Do I need to provide tax returns?

No. Tax returns are not used to qualify on a bank statement loan. That is the point of the program: when write offs shrink your taxable income, your deposits can tell a more accurate story of what you earn.

The Hard Numbers

Program Numbers at a Glance

Ranges span the bank statement programs we actively work with. Your credit score, loan size, and property type decide where you land inside them.

Minimum credit score
Program minimums range from 600 to 640. A 600 score fits the fewest programs at the lowest caps; 660 and above opens most of the menu.
Cash out, primary home
Generally 65 to 80 percent of your home's value, set by credit tier and loan size. The largest loans and lowest scores cap lower.
Cash out, second home and investment
Second homes generally cap near 70 to 75 percent. Investment properties run 55 to 80 percent by tier, and often carry prepayment penalties.
Loan amounts
From about $100,000 to $3 million, with select programs above $3 million.

Figures reflect active lender guidelines on file with UHome as of August 2026. Guidelines change, ranges span multiple programs, and your complete profile decides what actually applies to you.

Equity and Income Review

Review Your Available Equity and Your New Payment Over the Phone

Two numbers decide this loan: what your bank statements say you earn, and what your equity allows you to borrow. We walk through both with you in one call, which statements to use, what qualifying income results, roughly how much cash your equity could produce, and what the new payment would look like carrying it.

A phone review is not a loan application and is not a commitment to lend. Qualifying income and terms are never guaranteed and depend on your complete situation.

What to expect

  • Free and no obligation
  • No documents needed for the first conversation
  • A plain English walkthrough of the equity and income math
  • Clear numbers before you decide anything
Call 404.919.5533 Talk With A Loan Expert
  • Clear numbers before you decide
  • Honest answers, including when not to refinance
  • Atlanta based team serving self employed homeowners across Georgia

Who It May Fit

Homeowners Who Often Consider a Bank Statement Cash Out

The common thread is simple: real equity in the property, real income in the bank accounts, and tax returns that do not tell the full story.

See where your cash out stands

  • Self employed owners with equity and a real use for itFunding a business move, consolidating expensive debt, or paying for a renovation, when the use justifies the cost of the money.
  • Business owners, contractors, freelancers, and 1099 earnersGenerally with at least two years of self employment. One year may be considered case by case with prior experience in the same line of work.
  • Homeowners whose write offs blocked a conventional cash outLegitimate deductions lower taxable income, and a conventional refinance qualifies you on that lower number. Deposits may tell a more accurate story.
  • Owners carrying high rate business or personal debtConsolidating into mortgage debt can lower the monthly outflow, but it stretches the debt over a long term and secures it against your home, so the full math has to win, not just the payment.
  • Investors pulling equity from a rental, including one held in an LLCInvestment cash out is available at lower maximum loan to value, often with a prepayment penalty, and sometimes as business purpose financing.
  • Homeowners who want the comparison done honestlyIf a HELOC, a conventional cash out, or leaving the equity alone beats this path, we tell you that plainly.

Being in one of these groups does not guarantee eligibility or cash. Every bank statement cash out depends on the complete situation and the active program guidelines.

An Honest Look

When a Bank Statement Cash Out May Not Be the Right Move

Cash out replaces your entire mortgage to reach your equity. Sometimes that trade is wrong even when the cash is right. Here is when to pause.

  • Your current rate is excellent and the cash need is smallA cash out resets your whole loan at today's pricing. For a smaller amount, a HELOC or home equity loan can leave a great first mortgage untouched.
  • Your tax returns can qualify you conventionallyBank statement loans typically price higher than conventional loans. If a full documentation cash out works for you, it usually wins, and we will say so.
  • The cash has no plan behind itBorrowing against your home for an undefined purpose is how equity gets stripped. If the use cannot justify the cost of the money, keep the equity.
  • You do not have enough equity, or you just closedCash out generally requires keeping at least a quarter of the home's value and about six months of ownership, or since your last cash out, before the numbers work normally.
  • You have been self employed less than a year, or deposits are decliningPrograms generally want two years of self employment and a steady deposit trend. A weak trend can shrink the loan, and with it the cash.
  • You plan to sell or pay the loan off soonCosts need time to earn themselves back, and investment property loans often carry prepayment penalties that make an early exit expensive.
Equity is not free money. It is the part of your home you already own. The goal is to trade it only when what you get back is clearly worth more than what it costs.
Talk With A Loan Expert

The Full Picture

Potential Benefits, Weighed Against Real Considerations

Potential Benefits

  • Cash from your equity without tax returns, W2s, or pay stubs
  • Qualify on 12 or 24 months of personal or business statements, whichever presents your income more fairly
  • Use the funds for debt consolidation, your business, renovations, or reserves
  • Credit scores as low as 600 may be considered, at reduced maximum loan to value
  • Primary homes, second homes, and investment properties may be eligible, including properties held in an LLC
  • One loan and one payment, rather than a mortgage plus a second lien
  • Loan amounts run from about $100,000 to $3 million, with select programs above $3 million

Important Considerations

  • Your entire mortgage is replaced at today's pricing, which typically runs higher than a comparable conventional loan
  • Cash out carries lower maximum loan to value than rate and term, and the cap tightens as credit scores drop and loan amounts rise
  • The cash you receive is borrowed money secured by your home, and your equity drops by the same amount
  • Programs cap cash in hand at higher loan to value, and reserves are generally required
  • Investment property loans often carry prepayment penalties
  • Consolidating short term debt into a long term mortgage can raise its lifetime cost even when the monthly payment falls
  • A refinance that closes is not automatically a refinance that helps; the comparison still has to win

This section is for education, not product promotion. Whether a bank statement cash out serves you depends on your complete situation, and refinancing may increase your total finance charges over the life of the loan.

The Heart of the Decision

Your Equity Before and After the Refinance

Cash out is a walk from your home's value down to a check: value, minus the equity you must keep, minus your payoff, minus costs. This is each step of that walk, and it is exactly what we go through with you on the phone.

Your home's value and current balance
The appraisal sets the value, and the difference between that value and your current mortgage balance is your total equity. Everything else is carved from this number.
The equity you must keep
Programs cap the new loan at a share of your home's value, set by your credit tier, the loan size, and the property type. The numbers strip near the top of this page carries the current ranges; your credit score and loan size decide where inside them your cap actually lands.
What your deposits allow you to carry
The equity cap is only half the ceiling. Your qualifying income, averaged from 12 or 24 months of statements and reduced by an expense factor on business accounts, must support the new payment at a debt to income ratio generally capped near 50 percent. The lower of the two ceilings wins.
Payoff, costs, and what is left as cash
The new loan first pays off your existing mortgage and the closing costs. What remains is your cash at closing. Programs also cap cash in hand once leverage rises, commonly $500,000 to $1 million depending on the program, with unlimited cash possible at low leverage on some.
Seasoning on the property
Cash out generally requires about six months of ownership, or six months since a prior cash out. Sooner may be possible, but the value used is typically the lesser of what you paid plus documented improvements or the appraisal, which usually means less cash.
Your equity after, and the payment carrying it
The honest ending: how much of your home you still own after the check clears, what the new payment is, and whether the use of the cash justifies both. If it does not, we say so before you sign anything.
Review My Cash Out Options Call 404.919.5533

Want to run rough numbers yourself first? Our refinance calculator compares a current loan to a new one on figures you enter, including a cash out amount. Keep in mind it cannot calculate bank statement qualifying income or your program's equity cap, the two ceilings that decide this loan, so treat its output as a starting point and let us run the real math with you.

Honest Math

What a Bank Statement Cash Out Costs, and When the Trade Is Worth It

Cash out is never free money. You are replacing your whole mortgage and borrowing against the part of your home you already own. Here is where the costs come from and how to judge the trade.

The whole loan reprices, not just the cash

A cash out refinance replaces your entire mortgage at today's pricing, and bank statement pricing typically runs above conventional. That means the premium applies to every dollar you owe, not just the cash you take. When the cash need is small and your current rate is strong, a HELOC or home equity loan that leaves the first mortgage alone can be the cheaper trade, and we price that comparison for you.

The caps: equity, credit, and cash in hand

Every program draws three lines around your cash: how much of the home's value you can borrow, what your credit tier allows, and how much cash you can walk away with. The current ranges live in the numbers strip near the top of this page. What matters here is how the lines interact: a lower credit score shrinks the borrowing cap, a larger loan shrinks it again, and the cash in hand limit trims whatever survives. We tell you which line binds your file before you apply, not after.

Seasoning and reserves

Cash out generally requires about six months of ownership, or six months since your last cash out; sooner is sometimes possible with the value based on the lesser of your purchase price plus documented improvements or the appraisal. Most programs also require reserves, commonly several months of the new payment in verifiable funds, growing with loan size and loan to value. On some programs, part of the cash out proceeds can count toward reserves, and we confirm whether yours allows it.

Debt consolidation, prepayment penalties, and the term reset

Rolling short term debt into a 30 year mortgage can drop your monthly outflow while raising what the debt costs over its lifetime, because the balance now rides a long term and is secured by your home. Some programs treat a strict debt consolidation, where you receive little or no cash directly, under higher rate and term style caps, which can help. Investment property loans often carry a prepayment penalty during the early years, a term to read before signing, not after. All of it goes on the table during the review.

Compare Your Paths

Cash Out Refinance, HELOC or Home Equity Loan, or Keep Your Current Mortgage

Three legitimate ways to think about your equity. No path is best for everyone, and leaving the equity alone is sometimes the right answer.

Qualitative comparison of a bank statement cash out refinance, a HELOC or home equity loan, and keeping the current mortgage
Criteria You Are Viewing This ProgramBank Statement Cash Out HELOC or Home Equity Loan Keep Your Current Mortgage
Best suited for Self employed owners who need a larger sum and whose tax returns cannot support a full documentation loan Owners with a strong first mortgage rate who need a smaller or flexible amount Owners whose current terms serve them well and whose cash need is not compelling
What happens to your current mortgage Replaced entirely by the new, larger loan Stays in place; the equity loan sits behind it as a second lien Nothing changes
Income documentation 12 or 24 months of personal or business bank statements; no tax returns Varies by lender; many second lien products underwrite with full documentation None
How the cash arrives One lump sum at closing, after your payoff and costs A credit line you draw as needed, or a lump sum on a home equity loan It does not; the equity stays in the home
Primary advantage Larger sums, one loan and one payment, qualified on deposits instead of tax returns Leaves a good first mortgage untouched, and interest accrues only on what you use Zero cost, zero new debt, and zero risk of a bad trade
Potential tradeoff The whole balance reprices at bank statement rates, equity caps and cash in hand limits apply, and investment loans may carry prepayment penalties Often variable rates, smaller limits, and second lien underwriting that may still want tax returns The cash need goes unmet, or gets financed some more expensive way
When another path may fit better The cash need is small, or your tax returns support a cheaper full documentation option You need a large sum, or your income documents will not satisfy a second lien lender The use for the cash clearly outweighs its cost
Review My Cash Out Options Explore HELOC Options Sometimes the honest answer

You Are Viewing This Program

Best suited for
Self employed owners who need a larger sum and whose tax returns cannot support a full documentation loan
What happens to your current mortgage
Replaced entirely by the new, larger loan
Income documentation
12 or 24 months of personal or business bank statements; no tax returns
How the cash arrives
One lump sum at closing, after your payoff and costs
Primary advantage
Larger sums, one loan and one payment, qualified on deposits instead of tax returns
Potential tradeoff
The whole balance reprices at bank statement rates, equity caps and cash in hand limits apply, and investment loans may carry prepayment penalties
When another path may fit better
The cash need is small, or your tax returns support a cheaper full documentation option
Review My Cash Out Options

Tip: this comparison scrolls sideways on smaller screens.

Not sure which path fits? Talk With A Loan Expert

Your Path

How the Bank Statement Cash Out Process Works

  1. Talk Through the Cash and the Why

    A short conversation about how much you need, what it is for, your current loan, and your business.

  2. Choose the Statement Strategy

    Personal or business statements, 12 or 24 months. We pick the set that presents your income most accurately.

  3. Calculate Income and Estimate the Cash

    Your qualifying income and your equity cap together set the realistic cash number, before you commit to anything.

  4. Application, Appraisal, and Processing

    The appraisal sets the value the cash math runs on, alongside reserve verification. We keep you posted at every step.

  5. Review Final Numbers, Close, and Receive Your Funds

    Rate, payment, costs, cash amount, and any prepayment terms are confirmed in writing before you sign. On a primary residence, federal law generally gives you a three business day window to cancel after signing, and the funds arrive after it passes.

  6. Keep Paying Until Your Servicer Confirms

    Continue making your current mortgage payments until you receive confirmed instructions from your servicer. Never assume a payment is skipped.

Be Prepared

Documents and Information You May Need

No tax returns does not mean no documents. The file is built around your statements and your equity instead. Your loan expert will confirm exactly what applies to you.

  • 12 or 24 months of personal or business bank statements
  • Your current mortgage statement and payoff information
  • Government issued photo identification
  • Homeowners insurance information
  • Evidence of your self employment history
  • A short explanation of how you plan to use the funds
  • Statements for the accounts holding your reserves
  • Business entity documents when the loan involves an LLC or corporation
See What Applies to Me

Real World Context

Three Common Homeowner Scenarios

Educational examples only. They show how the thinking works, not how any specific loan will be decided.

Educational Example 01

The Contractor Carrying Expensive Debt

The situation
A general contractor built up credit card and equipment loan balances during a slow stretch. Revenue has recovered, but the tax returns, full of legitimate write offs, could not support a conventional cash out to clean the debt up.
Why a bank statement cash out may be considered
Business statements may produce a qualifying income closer to what the contractor actually earns, and the cash out could retire debt that costs far more per dollar than mortgage money.
What still needs review
The full lifetime cost of moving short term debt onto a 30 year term, whether the new payment truly improves monthly cash flow, and the discipline question: consolidating only helps if the balances do not come back.
When another path could fit better
If the debt is small relative to the equity, a second lien could handle it without repricing the whole mortgage, and if the current rate is excellent, that comparison usually deserves to win.

Educational Example 02

The Salon Owner Who Needs the Equity Working

The situation
A salon owner has meaningful equity in her home and wants cash out to expand into the space next door, but her tax returns will not support the loan conventionally.
Why a bank statement cash out may be considered
Cash out is available on bank statement programs, with the loan sized against her deposit based income and capped at a lower loan to value than a rate and term refinance.
What still needs review
Whether the remaining equity cushion is comfortable, whether the new payment fits the business's real cash flow, and how the cost of this money compares to other ways of funding the expansion.
When another path could fit better
If her current first mortgage rate is excellent, a second lien option could leave it untouched, and that comparison deserves to be run before replacing a good loan.

Educational Example 03

The Landlord With the Rental and the LLC

The situation
A self employed landlord wants to refinance an Atlanta rental property held in an LLC, pulling some equity to improve the unit.
Why a bank statement cash out may be considered
Investment property cash out is available on bank statement programs, using the owner's deposits to qualify, though at lower maximum loan to value than a primary home and often with a prepayment penalty.
What still needs review
The prepayment terms against how long the landlord plans to hold the property, the reserve requirement, and the tighter equity caps at lower credit tiers.
When another path could fit better
If the property's own rent covers its payment comfortably, a DSCR refinance that qualifies on the rental's cash flow instead of personal deposits may compare well, and we run both.
See Where My Loan Stands

Your situation is its own scenario. Let us look at it together.

Protect Yourself

Cash First Advertising Targets Homeowners With Equity. Read This First.

When you have equity and self employment income, you are the audience for two kinds of aggressive marketing at once: cash out pitches and no tax return pitches. Some offers are legitimate. Many are built to move your equity into someone else's fees. Here is how to tell the difference before you respond to anything, including anything from us.

Warning signs

  • Cash first marketing that leads with a dollar figure before anyone has asked about your loan, your income, or your plans
  • Payment comparisons that look like savings but quietly stretch short term debt over 30 years at a higher rate
  • Pressure to refinance again soon after your last one; repeated refinancing that mainly generates fees is called loan flipping
  • No documentation or guaranteed approval promises; real programs verify deposits, equity, reserves, and credit
  • Prepayment penalties and cash in hand limits mentioned nowhere until the closing table

What honest looks like

  • The question what is the cash for, asked early, because the use has to justify the cost
  • A written walk from your home's value to your cash number, with the equity you keep shown plainly
  • The rate premium over conventional stated next to whether you could qualify conventionally instead
  • Equity caps, cash in hand limits, reserve requirements, and any prepayment terms disclosed early
  • A willingness to tell you when a HELOC, a conventional cash out, or leaving the equity alone wins

Local Guidance

Bank Statement Cash Out Guidance for Georgia and Atlanta Metro Homeowners

Layer One: Georgia Statewide

Taking cash out with bank statements in Georgia

[CMS: Georgia introduction] Editable area for a genuine Georgia overview written by UHome, covering how self employed homeowners across the state tend to use bank statement cash out refinancing, what Georgia borrowers should weigh before trading equity for cash, and how the closing process works here.

What self employed Georgians should have organized before applying

The strongest bank statement files we review share the same habits, and none of them require a CPA to set up.

Keep business income in a business account. When business and personal deposits mix in one account, underwriters have to sort out which deposits count, and the qualifying number usually suffers for it. A clean separation, even one started this year, makes the next refinance easier than this one.

Be able to show how long you have been self employed. Programs generally want two years, and your paper trail, such as business registration, licensing, or the history your accounts themselves show, is what proves it. If you formed an entity, know where your documents are, because a loan involving an LLC or corporation will ask for them.

Watch your deposit trend the way an underwriter will. Twelve to 24 months of statements tell a story about direction, not just size. If this year is stronger than last, that helps. If it is weaker, we would rather talk about timing honestly than force a file through at worse terms.

Layer Two: Atlanta, Our Home Market

An Atlanta based team, reviewing Atlanta area self employed files

UHome Mortgage is headquartered in Atlanta, and self employed files are a weekly rhythm here: contractors and tradespeople, salon and barbershop owners, realtors, drivers and logistics operators, consultants, and creatives whose income is real but rarely shaped like a W2.

Two situations come up again and again. The first is the business owner sitting on real equity who was declined for a conventional cash out after a strong year, because the write offs that lowered the tax bill also lowered the qualifying income. That decline is often where the bank statement conversation should have started, not ended. The second is the metro landlord holding rentals in an LLC who assumes no program will touch an entity held property; investment property bank statement cash out exists for exactly that, with its own caps and prepayment terms we put on the table early.

The other recurring theme is timing. Metro businesses are seasonal, and a 12 month statement window that ends after your strongest season can produce a very different qualifying income than one that ends after your slowest. When our team runs your numbers, the statement window is part of the strategy, not an afterthought.

Atlanta Metro considerations

[CMS: Atlanta Metro content] Editable extension area for additional metro context UHome wants to publish over time, such as anonymized questions received from Metro Atlanta self employed homeowners.

Layer Three: County Coverage

Metro Atlanta counties we commonly serve

Self employed homeowners come to us from across the metro. Wherever your business runs, the review works the same way: your statements, your numbers, your decision.

FultonDeKalbCobbGwinnett ClaytonHenryDouglasPaulding

Good Questions

Bank Statement Cash Out Questions, Answered Plainly

What is a bank statement cash out refinance?

A refinance that replaces your current mortgage with a larger loan and pays you the difference in cash at closing, with your qualifying income calculated from the deposits in 12 or 24 months of personal or business bank statements instead of tax returns, W2s, or pay stubs. It is designed for self employed borrowers whose tax returns understate what they actually earn.

How is my income calculated from bank statements?

Eligible deposits are averaged across the statement period. When business statements are used, an expense factor reduces gross deposits to reflect the cost of running the business. Transfers between your own accounts and other non business deposits are generally excluded, and underwriters also look at whether the deposit trend is steady, growing, or declining. The resulting number is your qualifying income, and we calculate it with you before you apply.

How much cash can I actually receive?

Your cash is what remains after the new loan pays off your current mortgage and the closing costs. The new loan itself is capped two ways: by your equity, since programs generally let you borrow 65 to 80 percent of a primary home's value depending on credit tier and loan size, and by what your qualifying income can support. Programs also cap the cash in hand once leverage rises, commonly between $500,000 and $1 million depending on the program, with unlimited cash possible at low leverage on some. We estimate your realistic number with you before you apply.

Do I need tax returns at all?

No. Tax returns are not used to qualify on a bank statement loan. The file is still fully documented in other ways: your statements, credit, appraisal, reserves, and evidence of your self employment history. No tax returns does not mean no verification.

What credit score do I need?

Program minimums range from 600 to 640, so credit scores as low as 600 may be considered, though a lower score fits fewer programs and means a lower maximum loan to value, and program guidelines change over time. A stronger score opens more programs, higher caps, and better pricing. Being considered is not the same as qualifying, and we tell you where your full profile actually lands before you commit to anything.

How much equity do I need to keep in the home?

Plan on keeping roughly 20 to 35 percent of a primary home's value after a cash out: programs generally allow borrowing 65 to 80 percent, with stronger credit and smaller loans at the generous end and lower scores and larger loans at the tighter end. Investment properties require keeping more still, up to roughly 45 percent of the value at the lowest credit tiers. The exact cap comes from the active program guidelines for your full profile.

Can I take cash out of an investment property or a home held in an LLC?

Yes, investment property cash out is available on bank statement programs, generally at lower maximum loan to value than a primary home and often with a prepayment penalty during the early years of the loan. Some investment cash out is underwritten as business purpose financing, which carries its own rules. Loans involving an LLC or corporation will require your entity documents. If the property's own rent covers its payment, a DSCR cash out may also be worth comparing, and we run both paths.

Are the rates higher than a conventional cash out refinance?

Typically yes, and the premium applies to your entire new balance, not just the cash you take. That is why the first questions we ask are whether your tax returns could qualify you for a conventional cash out, and whether the amount you need is small enough that a HELOC or home equity loan could leave your current mortgage untouched. If either cheaper path works, we tell you so. The bank statement path earns its premium only when full documentation genuinely cannot measure your income fairly.

How long do I need to have been self employed?

Generally at least two years. Some programs will consider one year of self employment case by case, typically when you have prior experience in the same line of work. Under a year, the honest answer is usually to wait, keep your statements clean, and revisit the refinance when the history is there.

Still have a question? Call 404.919.5533 or Talk With A Loan Expert.

Have a question we did not answer here?

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Sources

Guideline Sensitive Information on This Page Is Checked Against These Sources

Sources and References

Reviewed by Coby Pegues, Founder and President, UHome Mortgage LLC, NMLS 2556341. Last reviewed August 2026.

Keep Learning

DSCR Refinance Cash Out Refinance Conventional Refinance Self Employed Loans Refinance Calculator Mortgage Rates HELOC How the Refinance Process Works

Your Next Step

Let's Find Out What Your Equity and Your Bank Statements Can Do

Share a few details about your current loan, your income, and what the cash is for. UHome will walk the numbers with you and tell you honestly whether the cash out wins, a HELOC or conventional path wins, or your equity is better left right where it is.

Check My Options Talk With A Loan Expert Call 404.919.5533
  • No commitment
  • Clear next steps
  • The comparison explained before you proceed

Disclosures

General mortgage disclosure

[CMS: General disclosure] This page is for educational purposes and is not a commitment to lend. Program requirements may vary. Eligibility depends on the complete borrower profile and applicable lender and investor requirements. Refinancing may increase the total finance charges paid over the life of the loan.

Bank statement cash out program disclosure

[CMS: Program disclosure] Bank statement loan programs are offered through third party lending partners and are governed by those partners' active guidelines, which change over time. Credit score minimums, maximum loan to value, cash in hand limits, seasoning, reserve requirements, and other figures described on this page reflect guidelines in effect at the time of the last review and are not guaranteed to be available. A cash out refinance increases your loan balance, reduces your home equity, and secures the cash you receive against your home. Bank statement loans typically carry higher interest rates than comparable conventional loans. Some loans, particularly on investment properties, may include prepayment penalties. Savings are not guaranteed. Continue making payments on your current mortgage until you receive confirmed instructions from your servicer.

Licensing information

Coby Pegues, NMLS #2556341 · UHome Mortgage LLC, Company NMLS #2559453

[CMS: State licensing] Licensed in Georgia, Alabama, and Texas. State licensing details placeholder.

Equal Housing Opportunity

[CMS: EHO statement] Equal Housing Opportunity. Placeholder for the Equal Housing statement and logo placement.

Additional program disclosures

[CMS: Additional disclosures] Repeatable disclosure blocks may be added per loan program without editing the template.

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