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Mortgage Broker Oakhurst CA | Home Loans | Granite West Funding

If you are looking for a competitive loan for home purchase, refinance or construction in Oakhurst or anywhere in the state of California, Granite West Funding can connect you with a loan suitable for your needs.

Call Us Today! (559) 540-2275

Bank Statement Loans
in Oakhurst

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You probably know that when you apply for a mortgage, you usually are asked to present your W-2.

But what if you do not have a W-2? Borrowers with non-traditional employment situations can find themselves up against roadblocks during the traditional mortgage application process.

But when you apply for a loan through Granite West Funding, we make it easy. If you do not have a W-2, we do not require you to present us with one. Instead, you can apply for a bank statement loan, also called a “stated income loan” in California.

With a bank statement loan, you document your income simply by providing us with bank statements rather than tax forms.

Who Should Apply for a Bank Statement Loan in California?

However you describe yourself, a bank statement loan is an appropriate choice if you do not have the traditional mortgage documentation. That means that the following individuals should consider applying for a bank statement loan:

Self-employed

Entrepreneurs

Business owners

Freelancers

Investors

The list above is not an exhaustive one. If you are not sure whether or not a bank statement loan is the right fit for you, we can help you figure that out.

Benefits of California Bank Statement Loans

You can look forward to the following advantages when you apply for a bank statement loan through Granite West Funding:

All you need to prove your income are your bank statements. You do not need to provide a W-2, tax returns, or pay stubs.

We have experience working with self-employed borrowers, investors, and others with non-traditional employment situations. We know that your income can be just as reliable as that of an employee, and we will qualify you accordingly.

The bank statement loan application process is faster and simpler than the traditional full documentation loan process. This can be helpful if you need to close quickly.

Apply for a Bank Statement Loan in CA Now

If you are ready to skip the documentation hassles of the traditional loan application process, apply for a bank statement loan through Granite West Funding today. To begin the process, please call 559-540-2275 to schedule your free bank statement loan consultation.

Get Pre-Approved Today!

Casey Knutson
Casey Knutson
21:24 04 Feb 25
We used Granite West to purchase and after a couple of years, refinance our house. Through both experiences, Andrew and his team are amazing!They made the process very smooth and swift. They patiently explained things when we had questions and were able to push all of the necessary paperwork through with an impressive fast pace. If and / or when I decide to buy or refinance again, I will only work with Granite West.
cori drew
cori drew
17:16 23 Jan 25
Andrew Pence and the Granite West Funding team was phenomenal at walking us through our first home purchase. A few years later, they helped us refinance our home and secured us the best rate possible.What an amazing Team! I would absolutely recommend them.
Melissa De Graaff
Melissa De Graaff
21:27 17 Oct 24
We cannot say enough wonderful things about working with Eric Wood at Granite West Funding. We went into the situation not knowing much about the process. Eric helped us (while educating us) every step of the way!! We highly recommend Eric and his entire team, they were all fantastic, hardworking and a very kind group of people!!
Krissi O
Krissi O
13:52 08 Jul 24
Granite West has been our "go to" on several occasions and never disappoint! Quick results and always professional! Highly recommend!!!
Tammi Chumney
Tammi Chumney
17:22 14 Feb 23
My husband and I just bought our first investment property and it is fabulous!!It was a very unique situation that demanded a lot of precise attention to details. Eric Wood was there every step of the way! Him and his team at Granite West funding are amazing professionals and very kind hearted people to work with. :) I just can’t say enough about our seamless experience with Eric Wood. Thank you to Jackie as well! We will be a regular clients for future investments and lending needs. Big thank you to you all from the Chumney’s!!
Sherry Andersen
Sherry Andersen
01:02 10 Feb 23
We just finished a deal with Eric Wood and he was great to work with. He was extremely helpful and always responded quickly to our calls, texts or emails. I have worked with many people in the lending industry and can tell you that everyone at Granite West Funding is good at what they do. They had several options available for us and they handled our financing as if they were doing it for themselves or a loved one.Thank you Granite West Funding for making each of our transactions go quickly and smoothly!
Dan Johnson
Dan Johnson
02:23 11 Mar 21
Andrew and the team at Granite West Funding were phenomenal with our home loan! They were very precise and professional but also very friendly and welcoming. They were available to answer our questions and very knowledgeable. It was a pleasure working with them. I would highly recommend going with Granite West funding. If we ever re-fi or buy another house they will be the people I go with. Thank you guys for the great service it was much appreciated and we love our new home!
Melissa McGregor
Melissa McGregor
15:23 18 Nov 19
We recently executed a long distance purchase of a Condominium at Bass Lake, from the Los Angeles area. Granite West Funding handled our funding and walked us through the process via phone calls, text messaging and e-document signing, all of which helped get us closed in 30 days. Even with a snafu in the execution of escrow, Granite West Funding went above and beyond to resolve our problem in a more than satisfactory manner! These professionals care about their clients and their business reputation, and it showed! Thank you Granite West Funding!
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