#1 Direct Lender for Home Equity
for Self-Employed

Unlock Your Home’s Equity and Get Cash Fast With a Closed-End 2nd Mortgage

  • Borrow $75k to $500k
  • Credit Score Down to 680
  • Use Personal/Business Bank Statements
  • Qualify With a 1099
  • Closed-End 2nd Mortgages
  • All Occupancy Types OK
  • All Property Types OK
  • No Tax Returns, No W2 Needed
  • 10, 15,  20,  25 or 30-year Fixed
  • Same Day Approvals

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    Consolidate Debt | Remodel Your Home | Start a New Business | Purchase an Investment Property
    BBB A rating

    Get Approved Today!

    • Closed End Second Mortgages for Self-Employed
    • Qualify with Bank Statements or a 1099
    • No Tax Returns
    • No W2s
    • Direct Lender
    • No Prepayment Penalties
     
    Family in new home with second mortgage loan
    What's the Difference Between a Second Mortgage and a HELOC? Learn More!

    Closed-End Second Mortgages for Self-Employed

    Use Bank Statement(s) or a 1099 as Income

    Take advantage of your home's equity with an Optionwide® Financial Closed-End Second Mortgage. Borrow $75k to $500K and use the funds to purchase another property, make renovations, consolidate debt, or start a business.

    • Borrow $75k to $500k
    • Credit Scores Down to 680
    • Recent Credit Events OK
    • All Occupancy Types OK
    • All Property Types OK
    • Qualify with Bank Deposits or a 1099
    • 10, 15, 20, 25 or 30-year Fixed
    • Multiple Qualifying Options
    • No Reserves Required
    • No Prepayment Penalty

    Bank Statement
    Second Mortgages

    A Bank Statement Second Mortgage allows self-employed borrowers to use their personal or business bank statements from the past 12-24 months to prove their income to qualify for a loan and access the equity in their property.

    We're Confident in Our Prices. If You've Found a Better Offer, We'll Beat It!

    Why Choose Bank Statement 2nd Mortgage

     
    Use your homes equity to consolidate debt and pay off billsDebt Consolidation
    Leverage home equity to invest in starting a new businessStart a Business
    Take advantage of the equity in your home to remodel and add valueRemodel Home
     
    No Tax Returns, No W2s.
    We Do Not Care About Your Write-Offs, Qualify With Your Bank Deposits or a 1099.

    Why Choose Us?

    You Can Expect:

    • 100% Transparency
    • NO Hidden Fees
    • NO Tax Returns
    • NO W2s
    • Pre-Approval within Minutes
    • Risk Free NO Obligation Quote
    • Fast Funding
    Take a second mortgage to purchase an investment property
    We're Confident in Our Prices. If You've Found a Better Offer, We'll Beat It!

    Our Process

    What Our Customers Say

    Bank statement loan customer

    Robert M. - Colorado

    I couldn't qualify for traditional financing because of my write-offs so I applied with OptionWide Financial. They were completely transparent with my loan options and guided me throughout the entire process and they didn't care about my write-offs. They used my monthly deposits as my monthly income.

    Laura S. - California

    I had been denied by another  lender but needed to get funded quickly. I called OptionWide Financial and they listened to my situation and started my loan process immediately. I got pre-approved within minutes and my loan funded in 21 days. Truly a reliable direct lender.

    Easy pre-approval home loan customer
    Home loan solutions for customer

    David L. - California

    OptionWide Financial came up with solutions to meet both my short-term and long-term goals. They were knowledgeable, easy to work with, and made me feel comfortable through the entire process.

    Convinced to Try Us Yet? Receive a Free Quote Today.