不查收入银行流水房屋贷款

在美国除了上班族，更大的有收入群体又自雇的小私营业主组成（self-employed）。据2022年美国小企业管理局统计，美国有超过三千三百万的私营业主。这部分人群无法提供足额的w2收入或税务证明，但却有很强的经纪实力和还款能力。为了扩大借款人范围，贷款银行开发出了银行流水单房屋贷款。流水单房屋贷款的审批相对简单，无需查看借款人报税情况，其通过借款人的银行流水来推算收入情况，从而判断偿还能力。其缺点是比传统房屋贷款利率略高（如果传统贷款的利率是5%，银行流水房屋贷款是6%-6.25%），优点是审核简单快捷，迅速放贷。。

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Our years of experience makes us the ideal partner for your next project. We won't shy away from a challenge, but also know how to manage risks.

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WHAT WE OFFFER

EXPERIENCED TEAM

Each of us is a master of our craft – we've worked a number of years in our field and each have passion and creative vision for every project we put our hands on.

QUALITY TO DIE FOR

We pay a lot of attention to each and every detail, because we know that we are in charge of creating somebody's safe haven. We partner up with the best craftsmen to ensure our famed quality.

VISIONARIES OF THE FUTURE

We're not scared to go beyond the horizon. As the visionaries of tomorrow, we won't say no to experimentation, unusual materials, or unlikely combinations.

CLIENT FEEDBACK

Miriam Hayes

We have bought and sold a handful of properties in the past with various different realtors, but none came close to the service we got at Presson's. Not only is the team full of experts who know what they're talking about, but they are also always willing to go that extra mile to ensure customer happiness and satisfaction. We were never left hanging and waiting for an answer – everyone got back to us promptly and we never felt like we weren't in the loop of what was going on. The whole process was smooth and we never felt rushed or pushed to make a decision. Instead, we could take the time to decide on everything, and ended up signing the papers within weeks.

James and Susan Smith

We had heard a lot of praise for Presson's team, since many of our social circle was already using their services to purchase their own homes. We had pretty high expectations, and were pleasantly surprised when they were not just met, but surpassed by a mile. The team was accommodating at all stages – from viewing the properties, to providing extra information on some of the interior materials, to explaining in detail all the clauses in the contracts. Even our children could join the house viewing process, something which we were eternally grateful. Now, we are happy homeowners in a nice neighborhood, and we couldn't be happier.