Introducing the Mojave 2nd: A Flexible Bank Statement Second Mortgage for Self-Employed Borrowers

Mojave 2nd: Bank Statement Second Liens for Self-Employed Homeowners

At Mojave River Mortgage, we understand the challenges self-employed borrowers face when traditional mortgage products don't fit. That’s why we’re proud to introduce the Mojave 2nd — a closed-end second mortgage designed specifically for self-employed individuals who qualify using bank statements instead of tax returns or W-2s.

Whether you’re looking to consolidate debt, cash out equity, or refinance with more flexibility, the Mojave 2nd offers competitive features with borrower-friendly terms.

Program Highlights:

• ✅ No W-2 Income Required – Qualify using 12 or 24 months of personal or business bank statements

• ✅ Loan Amounts from $200,000 to $500,000

• ✅ Up to 80% CLTV

• ✅ Up to 45% DTI

• ✅ Credit Scores Starting at 680

• ✅ Primary Residence Only – Rate & Term or Cash-Out Options

• ✅ Fixed Terms of 10, 15, 20, or 30 Years

• ✅ Combine Multiple Bank Accounts to Qualify

This unique second lien solution is a smart way to access home equity without disturbing your existing first mortgage — especially valuable in today’s low-rate environment.

Who is This For?

The Mojave 2nd is ideal for:

• Entrepreneurs, freelancers, and gig workers

• Borrowers with significant 1099 or business income

• Homeowners who want a second lien instead of refinancing a low first-lien rate

📞 Ready to see if the Mojave 2nd is right for you? Contact Mojave River Mortgage today and let’s explore your options.

Licensing and Disclosure:

NMLS #1884727
Goulet Martin B dba Mojave River Mortgage has the following licenses:
California Department of Real Estate, DRE License #01854568, NMLS#1884727
Martin Goulet, Licensed by the California Department of Real Estate, NMLS# 1495717