Bank Statement Loans in Easton, PA

A bank statement loan is a mortgage that uses 12 to 24 months of bank deposits, not tax returns, to verify income. Dynamic Funding Solutions, Inc. offers bank statement loans in Easton, PA to self-employed borrowers, 1099 contractors, and small business owners who earn real income but show reduced taxable income on paper. Founder Lena Polnet (NMLS #17225) has structured these loans for Easton-area entrepreneurs for over 28 years. If your Schedule C does not reflect what actually hits your account, this loan was built for you.

Contact Us: Bank Statement Loans in Easton

Bank Statement Loans Services in Easton

Easton sits at the confluence of the Lehigh and Delaware Rivers. The city has a strong base of independent contractors, trade professionals, and small business owners, many of whom face the same problem: strong cash flow, low taxable income. Dynamic Funding Solutions provides bank statement loans built around that reality.

Lena Polnet and her team accept 12 or 24 months of personal or business bank statements in place of W-2s or federal tax returns. The underwriting process uses average monthly deposits to determine qualifying income. Eligible borrowers include sole proprietors, LLCs, S-corps, and independent contractors filing 1099 forms.

Loan programs cover purchase transactions and refinances. Property types include primary residences, second homes, and investment properties. The team works with borrowers across Easton’s South Side, College Hill, and West Ward neighborhoods, as well as those moving into new construction along Forks Township corridors.

Dynamic Funding Solutions accesses a network of more than 100 lenders. That reach lets Lena match each Easton borrower to a program that fits their deposit history, credit profile, and property type, rather than forcing a single bank’s guidelines onto every file. Licensed in Pennsylvania and Florida, the firm handles complexity that retail banks routinely decline.

Why Choose Dynamic Funding Solutions for Bank Statement Loans in Easton

Lena Polnet has originated mortgages for 28 years. She built Dynamic Funding Solutions on a direct principle: self-employed borrowers deserve access to home financing based on what they actually earn, not what their accountant minimizes for tax purposes.

Easton’s business community, from contractors working Route 22 commercial corridors to restaurateurs near Centre Square, often cannot qualify through conventional channels. Lena’s team changes that. The process starts with bank statements, not a tax transcript. Qualifying income reflects real deposits over a defined period.

The firm holds NMLS company license #17144. Lena holds individual NMLS #17225. Both licenses cover Pennsylvania and Florida. The network of 100-plus lenders provides access to non-QM bank statement programs, jumbo options, and portfolio products that local retail banks do not offer.

Borrowers in Easton get a dedicated point of contact from application through closing. No hand-offs to a call center. No re-explaining your business model three times. Lena’s team knows self-employment income structures and communicates clearly at each step.

The Bank Statement Loans Process in Easton

Dynamic Funding Solutions follows a five-step process for every bank statement loan in Easton.

1. Initial Consultation. Lena reviews your business structure, deposit history, and purchase or refinance goal. Call (215) 364-7171 or submit the contact form at dynamicfunding.net.
2. Document Collection. You provide 12 or 24 months of personal or business bank statements. No tax returns required for income qualification. Additional items may include a CPA letter, business license, or profit-and-loss summary depending on the lender program.
3. Income Analysis. The team calculates average monthly deposits and applies the lender’s expense factor to determine qualifying income. This figure drives your loan amount.
4. Lender Matching. Lena identifies the program from her 100-plus lender network that best fits your deposit pattern, credit score, property type, and loan size. Easton and Northampton County properties are well-supported by multiple non-QM investors.
5. Closing. Once the lender issues a clear-to-close, the team coordinates title, settlement, and funding. Most closings occur at a location convenient to the Easton area.

Service Areas Near Easton

Dynamic Funding Solutions serves Easton and surrounding communities including Bethlehem, Phillipsburg (NJ), Wilson, Forks Township, and Palmer Township.

From Bethlehem, take Route 22 East toward Easton. The drive runs approximately 15 minutes along the Lehigh Valley corridor. From the New Jersey side, cross the Free Bridge from Phillipsburg into Easton’s South Side. Route 78 connects the broader Lehigh Valley region to Easton from the west. Route 309 provides access from Quakertown and points south toward the Philadelphia suburbs, where Dynamic Funding Solutions is headquartered in Huntingdon Valley.

Borrowers throughout Northampton County and Warren County (NJ) are welcome to apply. Lena’s team works remotely and can complete the entire process without requiring an in-person office visit.

Frequently Asked Questions About Bank Statement Loans in Easton

Dynamic Funding Solutions, Inc. NMLS #17144 | Lena Polnet NMLS #17225 | Licensed in PA and FL | Equal Housing Lender