Bank Statement Loans in Media, 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 Media, PA to self-employed borrowers, 1099 contractors, freelancers, and small business owners who cannot qualify through conventional income documentation. Founder Lena Polnet (NMLS #17225) has structured these loans for Delaware County residents for over 28 years. Media calls itself “Everyone’s Hometown” — and its dense population of independent professionals and small business owners along State Street and Baltimore Pike makes bank statement lending one of the most relevant mortgage products available here.

Contact Us: Bank Statement Loans in Media

Bank Statement Loan Services in Media

Dynamic Funding Solutions structures bank statement loans for borrowers whose tax returns understate their real earning power. This is common among Media-area sole proprietors, consultants working along the Route 1 corridor, and tradespeople operating in Springfield and Newtown Square who write off significant business expenses. Those deductions reduce taxable income — and that kills a conventional mortgage application.

Lena Polnet and her team analyze 12 or 24 months of personal or business bank statements. Gross deposits establish qualifying income. Lenders apply a set expense factor — typically 50% for business accounts — to determine net income for debt-to-income calculations. No W-2s. No tax transcripts. No IRS Form 4506-C required by many programs.

Loan types available through this program include:

• Purchase loans for primary residences and investment properties
• Cash-out refinances to consolidate business debt or fund expansion
• Rate-and-term refinances for existing non-QM borrowers
• Jumbo bank statement loans for higher-priced Media and Swarthmore properties

Eligible property types include single-family homes, condominiums, two-to-four unit properties, and non-warrantable condos. Credit score thresholds vary by lender and loan-to-value ratio. Dynamic Funding Solutions accesses 100+ lenders to match each Media borrower to the right program and the right rate.

Why Choose Dynamic Funding Solutions for Bank Statement Loans in Media

Lena Polnet has originated mortgages for 28+ years. She built Dynamic Funding Solutions on one principle: the borrower’s actual financial picture matters more than what the IRS sees. For self-employed Media residents, that distinction is the difference between owning a home and renting indefinitely.

The company holds NMLS license #17144 and is licensed in both Pennsylvania and Florida. Lena holds individual NMLS #17225. Dynamic Funding Solutions is an Equal Housing Lender. These credentials are not formalities — they represent regulatory accountability to every borrower in Delaware County.

The 100+ lender network is the real competitive edge. No single bank offers the best bank statement loan for every borrower profile. Lena shops the market. She compares expense factors, reserve requirements, prepayment penalties, and seasoning rules across dozens of non-QM lenders. Media borrowers get options — not a one-size-fits-all product pushed by a captive loan officer.

Self-employed borrowers near Media Borough, Glen Mills, and Wallingford trust Dynamic Funding Solutions because Lena delivers direct answers, fast pre-qualifications, and honest assessments of what each program costs.

The Bank Statement Loan Process in Media

Lena follows a five-step process built for self-employed borrowers in Media and Delaware County.

1. Discovery Call. Call (215) 364-7171. Lena or her team gathers your business type, deposit history, property goal, and credit range. This call takes 15 minutes and costs nothing.
2. Statement Review. You provide 12 or 24 months of bank statements. The team calculates qualifying income using lender-specific expense factors. No tax returns needed at this stage.
3. Lender Match. Dynamic Funding Solutions compares programs across 100+ lenders. The team identifies the best combination of rate, expense factor, reserve requirement, and loan terms for your profile.
4. Pre-Approval Letter. You receive a written pre-approval. In Media’s competitive real estate market — where properties near Veterans Square and the Granite Run area move fast — a solid pre-approval letter matters.
5. Close. Lena manages the file through underwriting, appraisal, and closing. She communicates at every step. Most bank statement loans close within 30 days of a complete application.

Service Areas Near Media

Dynamic Funding Solutions serves Media and the surrounding Delaware County communities. These include Springfield, Swarthmore, Glen Mills, Wallingford, and Newtown Square.

From Media Borough, take Route 1 North toward I-476 (the Blue Route) to reach Springfield and the northern service area. Route 30 (Lancaster Avenue) connects westward toward Newtown Square. Glen Mills and Garnet Valley borrowers are minutes south via Route 1. Wallingford sits directly northeast of Media along Providence Road.

The office is located at 51 Buck Road, Huntingdon Valley, PA 19006 — accessible from Media via I-476 North to the Pennsylvania Turnpike interchange. Most client interactions happen by phone and secure document portal. In-person meetings are available by appointment.

Frequently Asked Questions About Bank Statement Loans in Media

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