Kristeen Smith
Mortgage Specialist
Work with Kristeen Smith to explore
bank statement financing, flexible qualification
options, and personalized mortgage guidance
built around your financial goals.
Your Trusted Mortgage Partner in Maine & New Hampshire
Bank Statement Financing Backed by Experience
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Why Homebuyers Choose Kristeen Smith
Finding the right mortgage is about more than simply looking at traditional income documentation. It is about working with a lending professional who understands the unique financial situations of self-employed borrowers and business owners. Kristeen Smith is committed to helping borrowers in Maine and New Hampshire explore bank statement financing with personalized service, clear guidance, and a straightforward experience tailored to their needs.
Alternative Income Qualification
Traditional income documentation does not always reflect the complete financial picture of a self-employed borrower. Bank statement financing can provide an alternative approach by using eligible bank deposit history to help demonstrate income.
Personalized Customer Support
Every borrower has different circumstances, income patterns, and financial goals. Kristeen focuses on clear communication, responsive service, and personalized attention throughout the mortgage process.
Local Mortgage Knowledge
Serving borrowers throughout Maine and New Hampshire, Kristeen understands the importance of providing local, accessible mortgage guidance. Her approach is centered on helping clients make informed financing decisions with confidence.
Flexible Statement Options
Eligible borrowers may have options using 12 or 24 months of bank statements, depending on the specific loan guidelines. This can provide greater flexibility for qualifying self-employed borrowers.
Self-Employed Borrower Focus
Bank statement financing may be especially helpful for business owners and self-employed professionals whose income may not be fully represented through traditional tax-return documentation.
Clear Mortgage Guidance
Understanding an alternative mortgage program can raise important questions about documentation, qualification, and loan terms. Kristeen takes the time to explain the process clearly and help borrowers understand their available options.
Bank Statement Financing for Your Homeownership Goals
Whether you are purchasing an owner-occupied home or looking for financing for a second home, bank statement loans can provide an alternative path for eligible borrowers. Kristeen Smith works with clients to understand their financial circumstances and explore financing options that align with their goals.
Owner-Occupied Home Financing
Eligible borrowers may be able to purchase a one-family owner-occupied property with financing up to 85%, subject to applicable program requirements. Bank statement qualification can provide an alternative approach for self-employed homebuyers.
Second Home Financing
For qualified borrowers purchasing a second home, bank statement financing may offer an alternative to traditional income documentation. Financing may be available up to 80%, depending on the property, borrower qualifications, and applicable guidelines.
Self-Employed Mortgage Options
Bank statement loans are designed to provide eligible self-employed borrowers with another way to demonstrate qualifying income. With a minimum of one year of self-employment and eligible 12–24 month bank statement history, borrowers may have an alternative to traditional income qualification.
