Bank Statement Loans
in Oakhurst

FREE Mortgage Rate Quote

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!

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!!!
brittany gregory
brittany gregory
00:01 16 Nov 23
Best first time home buying experience! Eric went above and beyond, and I couldn't be more grateful for him (and his team!).Highly recommend 💯
Tyler Bilby
Tyler Bilby
21:51 12 Oct 23
Andrew Pence & Jackie Sollars are the best LO and Processor pair I have worked with to close Non-QM LoansSuper responsive, excellent communicators & problem solvers.Both of them work faster to get your loans closed than Jimmy johns making a sandwiches.If you're self employed looking for a bank statement loan or an investor looking to buy multiple properties utilizing DSCR loans, give Andrew and his team a call. He's knowledgeable and experienced in getting these done.Thank you for making loan transactions go so smoothly. Looking forward to funding many more loans for Andrew and Jackie here @ Oaktree Funding.
Blake Palmer
Blake Palmer
19:55 20 Aug 23
Eric was a great help!
Elissha Sarquis-Boutard
Elissha Sarquis-Boutard
15:45 12 Aug 23
Andrew, Jackie and the rest of the team at Granite West Funding were so helpful in the process of purchasing our home. They always responded quickly whenever we had questions and worked hard to get us the best deal they could. Thanks!!
Matthew Slaughter
Matthew Slaughter
21:02 12 Jul 23
Andrew is very knowledgeable and extremely expedient in his operations. Granite mountain did more for my wife and I than we expected and went above and beyond.
Amy
Amy
18:05 20 May 23
What can I say? These guys are amazing! I worked very close with Eric & Jackie. I am sooo grateful for them and all their help. They both held my hand the entire time and walked with me through a difficult process. If it wasn’t for them I wouldn’t have my new home. Thank you GWF!!!! You guys are the BEST!!
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!
David f
David f
19:09 08 Feb 23
Hunter is the best! He walked us through the entire process and worked weekends and strange hours to make sure we closed in a timely manner.
Rusty Oetinger
Rusty Oetinger
14:35 07 Feb 23
Great service with outstanding people.
Mark Norman
Mark Norman
13:44 01 Sep 22
Quality! sums up Andrew and his crew, if your looking for a loan and not a hassle, Granite West is your answer.
doug waller
doug waller
20:04 02 Jun 22
Granite West Funding, LLC did a great job all the way through the funding process, I would recommend them.
Dylan Donkin
Dylan Donkin
16:50 01 Jun 22
Fantastic team with speedy, friendly assistance whenever I needed it. I have zero complaints and would highly recommend them. Thanks again Granite West!
Christian Mueller
Christian Mueller
21:08 31 May 22
Thank you, Team Granite West! You have made the whole process, from applying for the mortgage to signing, very easy and worry-free.
Diane Hagood
Diane Hagood
20:12 31 May 22
Thank you Andrew and everyone at Granite West. You make the loan process work! You kept me informed each step along the way and congratulated me at the finish line. I appreciate everything.
Margot Brown
Margot Brown
14:23 29 May 22
The Granite West Funding team worked at lightening speed to get our loan approval and funded. We couldn't be more please with their level of professionalism and service. We would highly recommend them to family and friends.
Carol Misener
Carol Misener
18:58 27 May 22
Rajiv Sharma
Rajiv Sharma
20:08 25 May 22
True professionals, quick response and very transparent.
Buck Barton
Buck Barton
17:18 23 May 22
Working with Andrew and his team was a great experience. He was always readily available to answer questions. Awesome job from all his staff
Rebecca Wishart
Rebecca Wishart
21:22 04 Apr 22
Eric Wood with Granite West is amazing! As a lender myself, I had the pleasure of working with him on a deal for a friend of his.Eric stayed in contact to help constantly & went above and beyond to be sure everything went well. He is knowledgeable and an all around nice good guy :-) Thanks for everything!!!
joshua shipp
joshua shipp
13:27 25 Jan 22
They have always been a big help and able to answer all my questions. Very friendly and professional.
James Mierkey
James Mierkey
18:46 24 Jan 22
Professional, knowledgable staff made a normally grueling experience of buying a house quick and easy.
Lyle Burlingame
Lyle Burlingame
06:06 08 Dec 21
The team at Granite West isn't joking when they say they put the "FUN" in Funding! Their fast action and personal white glove service has been a major contributing factor in my quickly closing on an amazing property well below market value in very competitive and stressful economic conditions to say the least. I'm very impressed by the entire team at GW and I'll be speaking with with again when it's time for my next purchase, HELOC or Re-fi. I owe them big time and I am so thankful for new home.You can trust your major purchase and investment funding to Eric, Andrew and the team at GW. I am so glad I did!
Cindy Kroon
Cindy Kroon
22:30 26 Sep 21
I really enjoyed working with Andrew, Anne, Jackie, and Hunter. Everyone was friendly and easy to talk to. They were professional and yet not judgemental. I appreciate that and look forward to working with them again.
Kyle Chezum
Kyle Chezum
23:45 21 Sep 21
By far the BEST mortgage / loan experience I've ever had. They're incredibly responsive and tech-friendly, so getting documents signed and collected was easy. Got an unbelievably good rate. I highly recommend Granite West Funding if you're looking for a home loan. Very smooth process with no issues.
Charles Ackerman
Charles Ackerman
15:58 23 Jul 21
Thank you Andrew Pence and the entire team at Granite West Funding!Refinancing our house was fast and easy and any and all questions we had were answered quickly and clearly.We Highly recommend Granite West Funding, they are very friendly and very professional!
Rachel Church
Rachel Church
16:23 12 Jul 21
A pleasure working with Andrew and his staff.
WashedOut 805
WashedOut 805
00:45 12 Jul 21
Sabrina Marsh
Sabrina Marsh
20:01 07 Jul 21
Without this team my home buying experience would have been a nightmare. I worked with Hunter on a daily basis and he guided me through step by step. He was responsive and went far and beyond his duties. I also worked with Andrew and Lizette who were very professional and also very personal. I came to feel like this team was more of a family rather than just a business. Highly recommend them!
Linda Segraves
Linda Segraves
19:52 07 Jul 21
It was a pleasurable experience working with Andrew and his staff. Every question i had was answered immediately, professionally and fully. If i ever had the reason to buy another home/mortgage, i would definitly go with his group.
Kirk Flo
Kirk Flo
17:20 12 Jun 21
This the 2nd time working with Andrew. The first time was a refi. This time, Andrew was great at helping me see my dream of a 2nd home could be a reality. He was professional, informative and had great ideas.
Steve Ritchie
Steve Ritchie
03:10 08 Jun 21
William Reitz
William Reitz
23:17 07 Jun 21
Andrew and the whole team were excellent. Highly recommend
Paul Feuerstein
Paul Feuerstein
22:53 25 May 21
Kara Lough
Kara Lough
20:59 24 May 21
I love Granite West!! Everyone there is so friendly and professional, I just adore the staff. The process took me 9 months (because of the market in my area) and the whole team basically held my hand the entire way! They are extremely punctual and will communicate with you about every detail. I will always recommend them over and over again. Thank you Drew, Ann and everyone else there at Granite West!
brad Miller
brad Miller
21:23 14 May 21
The complicated process of mortgage financing, made easy and rapid with Granite West Funding. Would recommend to anyone.
Tyler Meadows
Tyler Meadows
21:08 14 May 21
Andrew and his team were nothing but helpful and made my home buying process smooth as could be.
Jose Luna
Jose Luna
16:53 18 Mar 21
MICK CAPPONI
MICK CAPPONI
20:11 17 Mar 21
We shopped several lending institutions and thought we had the best deal we could get until talking with Andrew at Granite West. We said, " Give it your best shot." He came back with a deal that blew everybody else out of the water. The process went smoothly and, in my opinion, quickly. I'm glad we contacted Andrew before committing to another lender. I would recommend Granite west to anybody.
Kima Knapp
Kima Knapp
21:12 15 Mar 21
We are grateful to this team for making the refinancing of our home easy, straightforward, and timely. Any time I had questions or concerns Eric and the team were available to talk on the phone! They always responded to my emails promptly. My husband and I highly recommend Granite West Funding!
Alison Ross
Alison Ross
20:36 12 Mar 21
Andrew and Jesse Pence of Granite West Funding made the process of refinancing our home a pleasant and easy experience. Documents were always on time and their level of communication allowed us to know where we stood in the process and what was needed from us. As someone who is new with owning a home and refinancing, Jesse took the time to answer all questions. There was no hidden prices or later add ons. We knew each step of the way that Granite West Funding was looking out for our best interest. We highly recommend them.
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!
David Hall
David Hall
13:50 08 Mar 21
ngunning1
ngunning1
16:03 05 Mar 21
Working with Granite West is always a pleasure. They are always quick to get back to you and answer all questions! Great experience! Thank you Granite West Funding!! :-)
Damon Terstegge
Damon Terstegge
04:59 05 Mar 21
shayna chaney
shayna chaney
02:43 05 Mar 21
Tara Anderson
Tara Anderson
02:39 05 Mar 21
Granite West Funding was amazing. They got me refinanced during my divorce within 30 days. Their staff even emailed me on weekends for information so that said to me that they were diligently working and they made me feel like I was special and let me assure you I am not. Eric and his team were super responsive through text and email. A+++
Diane Edwards
Diane Edwards
23:41 04 Mar 21
This is a very professional, detail oriented company. Everything went as smoothly as it possibly could
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