Bank Statement Loans in Lansdale, PA
A bank statement loan in Lansdale, PA is a mortgage product that uses 12 to 24 months of bank deposits, not tax returns, to verify income. Dynamic Funding Solutions, Inc. offers bank statement loans to self-employed borrowers, 1099 contractors, freelancers, and small business owners throughout Lansdale and Montgomery County. Founder Lena Polnet (NMLS #17225) has structured these loans for borrowers whose write-offs make their taxable income look low on paper but whose deposit history tells a different story.
Contact Us: Bank Statement Loans in Lansdale
Dynamic Funding Solutions, Inc.
51 Buck Road,
Huntingdon Valley,
PA
19006
Phone: (215) 364-7171
Website: dynamicfunding.net
Call Monday, Friday 9 AM, 6 PM
Bank Statement Loan Services in Lansdale
Lansdale sits in the heart of Montgomery County, a region dense with independent contractors, tradespeople, and small business owners who run lean on paper income. Bank statement loans exist for exactly this borrower profile.
Dynamic Funding Solutions uses 12 or 24 months of personal or business bank statements to calculate qualifying income. The lender averages total deposits, then applies an expense factor to arrive at net income. No W-2s. No tax returns. No Schedule C adjustments that wipe out your income.
Eligible borrowers include sole proprietors, S-corp and LLC owners, real estate investors, consultants, gig workers, and anyone who files self-employment income. Loan types available under this program include:
- Purchase loans for primary residences, second homes, and investment properties
- Rate-and-term refinances
- Cash-out refinances
- Jumbo loan options for higher-priced Montgomery County properties
Lena Polnet and the Dynamic Funding Solutions team work with a network of 100+ lenders. That reach means competitive options for borrowers with strong deposit histories but non-traditional income documentation. Loan amounts, down payment requirements, and credit score minimums vary by lender and program. Call for a direct assessment of your file.
Why Choose Dynamic Funding Solutions for Bank Statement Loans in Lansdale
Dynamic Funding Solutions brings 28 years of mortgage experience to every file. Lena Polnet holds NMLS license #17225. The company holds NMLS #17144. Both licenses are active in Pennsylvania and Florida. The firm is an Equal Housing Lender.
Most Lansdale borrowers who contact us have already been turned down by a bank. The reason is almost always the same: taxable income after deductions does not meet conventional underwriting standards. We do not use taxable income. We use actual deposits. That distinction matters.
The 100+ lender network gives us access to bank statement programs with varying guidelines. Some lenders favor 24-month averages. Others weight recent deposit trends. We match the borrower’s deposit pattern to the right program, not the other way around.
Lansdale’s proximity to Route 309 and the broader Montgomery County business corridor means this market includes a high concentration of self-employed professionals. We know this borrower. We’ve closed loans for them for nearly three decades.
The Bank Statement Loan Process in Lansdale
Lena Polnet follows a five-step process for every bank statement loan in Lansdale.
- Discovery Call: You call (215) 364-7171. Lena or a team member reviews your self-employment status, deposit history, and property goals. This call takes 15 to 20 minutes.
- Document Collection: You provide 12 or 24 months of bank statements, personal, business, or both. No tax returns are required for income qualification.
- Income Calculation: The team averages your deposits and applies the program’s expense factor. You see a clear income figure before any lender submission.
- Lender Matching: Dynamic Funding Solutions reviews options across its 100+ lender network. You receive a loan comparison that reflects your actual deposit profile.
- Close: Once you select a program, the file moves to underwriting. Lena manages the process from application to closing table. Lansdale borrowers can close at a local title company of their choosing.
Service Areas Near Lansdale
Dynamic Funding Solutions serves Lansdale and surrounding communities including North Wales, Montgomeryville, Chalfont, Hatfield, and Blue Bell.
Lansdale sits along Route 309, one of Montgomery County’s primary north-south corridors. From Blue Bell, take Route 202 north to Route 309 north into Lansdale, approximately 10 minutes. From Chalfont, take Route 202 south to Route 309 south into Lansdale. Borrowers traveling from the Philadelphia side can use I-276 (PA Turnpike) to Exit 339 (Lansdale/North Wales), then head north on Route 309.
Our office is located at 51 Buck Road, Huntingdon Valley, PA 19006. Most client consultations happen by phone or video. Lansdale borrowers never need to travel for the loan process.
Frequently Asked Questions About Bank Statement Loans in Lansdale
Can a self-employed contractor along Route 309 in Lansdale qualify for a bank statement loan?
Yes. Self-employed contractors are the primary borrower for this program. Dynamic Funding Solutions calculates income from deposit history, not from Schedule C net income or tax return figures. A consistent deposit history is the key qualifier.
Do Lansdale borrowers need to provide tax returns for a bank statement loan?
No. Bank statement loans are designed specifically to replace tax return income documentation. Lenders in our network use 12 or 24 months of bank statements to calculate qualifying income instead.
Can I use a bank statement loan to buy an investment property in the Lansdale area?
Yes. Bank statement loan programs are available for primary residences, second homes, and investment properties. Terms and down payment requirements vary by property type. Call (215) 364-7171 to discuss your specific investment property scenario.
How long does a bank statement loan take to close in Lansdale, PA?
Timelines depend on the lender and how quickly documents are submitted. Most bank statement loans in our network close within 30 to 45 days from completed application. A thorough discovery call with Lena at the start keeps the process on track.
Does Dynamic Funding Solutions serve Lansdale borrowers who also do business in Philadelphia?
Yes. Many Lansdale-area borrowers operate businesses across Montgomery County and into Philadelphia. Dynamic Funding Solutions is licensed in Pennsylvania statewide. Business activity location does not limit your eligibility.
Dynamic Funding Solutions, Inc. NMLS #17144 | Lena Polnet NMLS #17225 | Licensed in PA and FL | Equal Housing Lender