Email 1: Introduction to Bank Statement Loans
Subject: Struggling to Buy a Home? There's a Solution You May Not Know About
Hi there,
Are you self-employed or have income that doesn't show up fully on your tax returns? Many people just like you find it hard to get approved for a home loan.
But here's some good news: there's a special type of home loan called a "Bank Statement Loan" that might be perfect for you!
Instead of looking at tax returns, these loans look at your actual bank statements to see how much money you really make each month.
At ACB Realty, Inc., we help people like you find the right loan options every day. We partner with lenders who specialize in these types of loans.
Want to learn if a Bank Statement Loan could help you buy a home? Simply reply to this email or call our office at 781-356-2552. You can also reach our broker, Greg directly at 857-212-2170. We're here to help!
Warmly,
The ACB Realty Team
Email 2: Who Benefits from Bank Statement Loans
Subject: Are You a Good Fit for a Bank Statement Loan? Find Out Here
Hi there,
Yesterday we told you about Bank Statement Loans. Today, let's see if you might be a good match for this type of home loan.
Bank Statement Loans are great for:
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Self-employed business owners
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Freelancers and contractors
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Real estate investors
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People with side hustles or multiple income sources
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Anyone whose tax returns don't show their true income
Do any of these sound like you? If so, a Bank Statement Loan might be your path to homeownership!
Traditional loans rely on W-2s and tax returns. But we know that for many hardworking people, those documents don't tell the whole story.
Ready to learn more? Contact ACB Realty today at 781-356-2552 or reply to this email. We'll connect you with our lending partners who specialize in Bank Statement Loans.
Your dream home may be closer than you think!
Best regards,
The ACB Realty Team
Email 3: How Bank Statement Loans Work
Subject: Here's How Bank Statement Loans Actually Work
Hi there,
Curious about how Bank Statement Loans work? Let's break it down simply:
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Instead of using tax returns, lenders look at 12-24 months of your bank statements
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They calculate your average monthly income based on your deposits
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This gives them a clear picture of your actual cash flow
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They use this information to determine how much house you can afford
It's that straightforward! This approach works well for self-employed people because it focuses on the money actually coming into your account, not just what shows up after deductions on your tax return.
At ACB Realty, our goal is to help many self-employed clients buy homes using Bank Statement Loans. We can walk you through each step of the process.
Questions about how this might work for your specific situation? Let's talk! Call us at 781-356-2552 or reply to this email today.
Here to help,
The ACB Realty Team
Email 4: The Benefits of Bank Statement Loans
Subject: 5 Big Benefits of Bank Statement Loans You Should Know
Hi there,
Bank Statement Loans offer some amazing benefits, especially if you're self-employed or have non-traditional income. Here are the top 5 advantages:
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No Tax Returns Needed: Qualify based on your bank deposits, not tax returns
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More Flexibility: Lenders can be more flexible with approval requirements
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Higher Loan Limits: You might qualify for more than you would with traditional loans
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Simpler Process: Focus on actual cash flow rather than complex tax documents
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Path to Homeownership: Open doors that might otherwise be closed to you
Many of our clients at ACB Realty were surprised to learn they could qualify for a home loan without the traditional paperwork hassle!
Could a Bank Statement Loan be your ticket to homeownership? Let's find out together! Contact us at 781-356-2552 or reply to this email to get started.
Ready when you are, The ACB Realty Team
Email 5: What You Need to Apply
Subject: Ready to Apply? Here's What You'll Need for a Bank Statement Loan
Hi there,
Thinking about applying for a Bank Statement Loan? Here's a simple checklist of what you'll need:
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12-24 months of personal or business bank statements
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Proof that you've been self-employed for at least 2 years
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A credit score of at least 620 (though requirements vary by lender)
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Money for a down payment (typically 10-20%)
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Some cash reserves for emergencies
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Proof of any other assets you own
Don't worry if you're not sure about all of these items! At ACB Realty, we work with lenders who offer different options based on your specific situation.
Want to see if you have what you need to qualify? Let's chat! Call us at 781-356-2552 or reply to this email, and we'll help you figure out your next steps.
Here to guide you,
The ACB Realty Team
Email 6: Down Payments and Interest Rates
Subject: Let's Talk About Down Payments and Interest Rates
Hi there,
When it comes to Bank Statement Loans, there are two important numbers to know about: down payments and interest rates.
Down Payments: Bank Statement Loans typically require 10-20% down. This is a bit more than some traditional loans, but it helps you build equity faster and might lower your monthly payment.
Interest Rates: The rates for Bank Statement Loans are usually about 1-2% higher than traditional loans. This reflects the different way these loans are approved.
But here's the good news: even with slightly higher rates, these loans help many self-employed people buy homes when they couldn't otherwise qualify!
At ACB Realty, we can help you understand exactly what down payment and rate you might qualify for based on your specific situation.
Ready to run some numbers? Contact us at 781-356-2552 or reply to this email to get started!
Working for you,
The ACB Realty Team
Email 7: Why Bank Statement Loans Matter
Subject: How Bank Statement Loans Can Help People Just Like You
Hi there,
While Bank Statement Loans are new to our service offerings at ACB Realty, we're excited about how they can help people in situations like these:
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Freelancers and Designers: Many creative professionals make good money but can't qualify for traditional loans because of how their income is reported. Bank Statement Loans look at actual deposits over 12 months, which can paint a more accurate picture of earnings.
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Small Business Owners: Writing off business expenses is smart for taxes, but it can make your income look too low on paper. Bank statements show what's really coming into your accounts, helping you qualify based on actual cash flow.
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Multiple Income Earners: If you drive for rideshare companies, do gig work, or have several income streams, these can be hard to document traditionally. Bank Statement Loans consider all your deposits, not just W-2 employment.
These are real situations where traditional financing falls short, but Bank Statement Loans can provide a solution.
Could you be one of our first success stories with this program? Let's find out! Contact our office at 781-356-2552, reach our broker directly at 857-212-2170, or reply to this email today.
Cheering you on,
The ACB Realty Team
Email 8: The Application Process Explained
Subject: The Step-by-Step Bank Statement Loan Process Explained
Hi there,
Wondering what happens when you apply for a Bank Statement Loan? Here's the simple step-by-step process:
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Initial Consultation: We discuss your situation and goals
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Document Collection: You gather your bank statements and other paperwork
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Income Calculation: Lenders review your deposits to determine your income
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Pre-Approval: You receive a letter showing how much you qualify for
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House Hunting: You shop for homes within your budget with an ACB Realty agent
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Loan Processing: Final paperwork is completed
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Closing Day: You sign final documents and get your keys!
The whole process typically takes 30-45 days, similar to traditional loans.
At ACB Realty, we guide you through each step, making it as smooth as possible.
Ready to start your journey to homeownership? Contact us at 781-356-2552 or reply to this email today!
At your service,
The ACB Realty Team
Email 9: Investment Property Opportunities
Subject: Want to Buy Investment Property? Bank Statement Loans Can Help
Hi there,
Did you know Bank Statement Loans aren't just for primary homes? They're also great for buying investment properties!
Many successful real estate investors face challenges with traditional financing because:
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They have multiple properties already
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Their tax returns show deductions that lower their paper income
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They're self-employed with complex finances
Bank Statement Loans can be the perfect solution for growing your real estate portfolio.
Whether you're looking to buy your first rental property or add to your existing investments, these loans can help you qualify based on your actual cash flow.
At ACB Realty, we've helped many investors expand their portfolios using Bank Statement Loans.
Want to explore investment opportunities? Let's talk! Call our office at 781-356-2552, reach our broker directly at 857-212-2170, or reply to this email to learn more.
To your success,
The ACB Realty Team
Email 10: Common Questions Answered
Subject: Your Top Questions About Bank Statement Loans Answered
Hi there,
We get lots of questions about Bank Statement Loans. Here are answers to the most common ones:
Q: Are these loans safe? A: Yes! They're legitimate loans from licensed lenders, just with different qualification methods.
Q: Will I pay much more than with a traditional loan? A: Rates are typically 1-2% higher, but for many self-employed people, the ability to qualify makes it well worth it.
Q: How long do I need to be self-employed? A: Usually at least 2 years, but some lenders have options for those with shorter histories.
Q: Can I refinance later? A: Absolutely! Many borrowers start with a Bank Statement Loan and refinance to a traditional loan later.
Q: What if my business has slow months? A: Lenders look at your average income over 12-24 months, which helps smooth out seasonal variations.
Have other questions? We've got answers! Contact ACB Realty at 781-356-2552 or reply to this email.
Happy to help,
The ACB Realty Team
Email 11: Tips for Strengthening Your Application
Subject: 5 Simple Ways to Strengthen Your Loan Application
Hi there,
Want to improve your chances of getting approved for a Bank Statement Loan? Here are 5 simple tips:
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Keep Clean Bank Statements: Avoid mixing personal and business expenses if possible
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Maintain Consistent Deposits: Regular income looks better than sporadic large deposits
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Improve Your Credit Score: Even a small improvement can help your rate
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Save for a Larger Down Payment: More money down can help you qualify for better terms
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Reduce Other Debts: Paying down credit cards or other loans improves your debt-to-income ratio
These simple steps can make a big difference in your loan approval chances!
At ACB Realty, we can help you create a personalized plan to strengthen your application.
Ready to take action? Contact us at 781-356-2552 or reply to this email for personalized guidance.
On your side,
The ACB Realty Team
Email 12: Comparing Loan Options
Subject: Bank Statement Loans vs. Other Options: What's Best for You?
Hi there,
Wondering how Bank Statement Loans compare to other options? Let's look at the key differences:
Bank Statement Loans:
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Qualify based on bank deposits
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Higher down payment (10-20%)
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Slightly higher interest rates
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Great for self-employed people
Conventional Loans:
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Require tax returns and W-2s
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Lower down payment options (as low as 3%)
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Better interest rates
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Harder to qualify if self-employed
FHA Loans:
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Government-backed
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Down payments as low as 3.5%
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Require steady W-2 income
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Include mortgage insurance
Each has pros and cons. The best choice depends on your specific situation.
Not sure which is right for you? Let ACB Realty help! Contact us at 781-356-2552 or reply to this email for a personalized recommendation.
Your mortgage guide,
The ACB Realty Team
Email 13: The Current Market and Timing
Subject: Is Now a Good Time to Use a Bank Statement Loan?
Hi there,
Many people ask us: "Is now a good time to buy a home with a Bank Statement Loan?"
Here's what you should know about the current market:
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Home prices in many areas have stabilized, creating good buying opportunities
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While interest rates have increased, Bank Statement Loans remain available
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Rental prices continue to rise in many markets, making homeownership more attractive
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Real estate remains a strong long-term investment and wealth-building tool
For self-employed people and business owners, the ability to qualify based on bank statements rather than tax returns is a major advantage in any market.
The best time to buy is when it makes sense for YOUR situation and goals.
Want to discuss if now is the right time for you? Contact ACB Realty at 781-356-2552 or reply to this email for a no-pressure conversation.
Looking out for you,
The ACB Realty Team
Email 14: Getting Started Guide
Subject: Your Easy 3-Step Plan to Get Started Today
Hi there,
Ready to explore Bank Statement Loans further? Here's your simple 3-step plan to get started today:
Step 1: Initial Consultation Call or email ACB Realty for a free, no-obligation chat about your situation and goals.
Step 2: Basic Pre-Qualification We'll help you gather some preliminary information to see what you might qualify for.
Step 3: Connect With Our Lending Partners We'll introduce you to lenders who specialize in Bank Statement Loans for your specific situation.
That's it! Just these three simple steps will get you on the path toward homeownership.
The entire process starts with a single conversation. Contact us at 781-356-2552 or reply to this email to take that first step today!
Ready when you are,
The ACB Realty Team
Email 15: Take Action Today
Subject: Your Home Buying Journey Starts With One Simple Step
Hi there,
Over the past several weeks, we've shared a lot about Bank Statement Loans and how they can help self-employed people and business owners become homeowners.
Now it's time for action!
If you're tired of:
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Paying rent instead of building equity
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Being told you don't qualify because of your tax returns
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Putting your homeownership dreams on hold
Then take this one simple step: Contact ACB Realty today.
Our team specializes in helping people just like you find the right mortgage solutions. We'll connect you with our partner lenders who understand the unique situations of self-employed individuals.
Your journey to homeownership begins with a simple conversation. Call us at 781-356-2552 or reply to this email today.
Don't wait - take that first step now!
Here to help you succeed,
The ACB Realty Team