Who is it for?Designed to offer an income documentation option for self-employedor 1099 borrowers utilizing Personal or Business Bank Statements

How do you calculate it?Enter all deposits for 12 months, subtract business expensesor apply the 3rd party verified Expense Ratio to the deposits

What documents do you need?

Bank Statement

800-636-3429www.fnba.com/correspondent

Making Non-QM Loans Easier

• Expense Ratio method or Traditional statement review available

• Completed BSI questionnaire

• 12 months consecutive bank statements

• Expense Ratio certification from a 3rd party (if applicable)

• Proof of business ownership (if applicable)

Profit & Loss PPD r020419Bank Statement PPD r020419Asset Depletion PPD r020519Ready Asset PPD r020419Full Doc PPD r020519