Qualifying Criteria
Self-Employed Borrowers Only
Minimum (2) Years Self-Employment
Self-Employed Borrowers Only
Minimum (2) Years Self-Employment
AAA to B
Individuals on the account must be a borrower on loan
12 or 24 months bank statements for
ONE ACCOUNT
*Bank statements must be in English
*3 MBS not eligible for Pre-Screen Review
ALL pages of bank statements
Bank Statements with redacted info are not acceptable
Note: 1:00 pm PT request cut off time; Please allow 1 – 3 business days for feedback
Consecutive statements, including the most recent statement issued through the statement closing date must be provided.
(Ex. statement ending date on the 30th of each month; Pre-Screen request submitted 07/06/21; Broker must include 12 (or 24) statements including the 06/30/21 statement)
Disclaimer: The preliminary bank statement analysis is intended for informational purposes, for mortgage professionals only. This is not a credit application, credit approval, or a commitment to lend and should not be construed as lending advice. Loans are subject to borrower qualifications, including but not limited to, verified credit score, assets, existing debt, property evaluation or other factors, and final credit approval. Approvals are subject to underwriting guidelines, rates, terms, and program guidelines, which are subject to change without notice based on the applicant’s eligibility and market conditions. Not all applicants may qualify. Acra is an equal opportunity lender. See State Licenses Information for where we lend.
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