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A simple Excel spreadsheet would be the following that could be used to average net income:
Estimated Gross Monthly Income – Average Monthly Expenses = Average Monthly Net Income 12 or 24 months
| Average Monthly Income
12 or 24 months |
$20,000 |
| Average Monthly Expenses
12 or 24 months |
$7500 |
| Average Net Income used to Qualify | $12,500 – Qualifying monthly income |
| Fair | 620-680 |
| Good | 680-720
|
| Great | 720-760 |
| Excellent | 760+
|
Minimum Down Payment 10% for Signature Bank Statement Portfolio Loans
Minimum Down Payment 20% for Investor Cash Flow
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Hi Natalie, Thank you so much for your vote of confidence and kinds words. I will always take the best care of you and your clients.
Awesome, smooth painless experience!! Jeff and his associates were amazing!
Thank you so very much for all of your help in securing our loan for our new home. Highly professional, knowledgeable and responsive!!
My mortgage loan officer and agent were nothing short of amazing!!
Jeff was amazing from day 1. He always made us feel comfortable. He was organized and on top of everything! We will recommend Jeff to everyone we know moving to the area! Thanks for everything Jeff!
From start to finish easy transition and very informative on how to get me in my new home!!
My husband and I had a wonderful experience with Jeff, Justin, and his team. We will be referring them in the future and hope to work together on our refinance!
Jeff took the time to answer all of our questions and he ensured that we closed without issue. We would recommend Jeff without hesitation.
I enjoyed working with you. Thanks for the great feedback.
Fantastic communication. All my questions were answered promptly.
Great execution on planning and guidance through the whole loan process.
Thanks for much for the vote of confidence Erik! It was a pleasure working with you and Ashley to get you into your beautiful new home!
Thank you Lenna! Happy to be able to get your clients the home that they deserve!
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Amazing review suite – Using Experience.com for over 4 years now and have received over 700 reviews through the platform.
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Thank you so much Kellie! I was happy to help you and you were a pleasure to work with. It’s easy to be clear to close early when you provide documents as quickly as you did.
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