P & L Only Program



You have been invited to take advantage of PhoneOps (P & L Only Program). This wonderful program is designed for Individuals that owns a business and want to purchase a home. Everyone knows we write off a lot on our taxes as it helps in the long run when it comes to paying less taxes but it hurts us when it's time to purchase a home. If you:

wrote off too much on your taxes

Don't have W2's

Don't have 1099's


Received mostly cash
throughout the year

Don't want to use
the Bank Statement Program

Can show you made more another way


If you fall into any of the above, then our program is great for you. PhoneOps P & L Only Program is an awesome program for anyone that owns a business because all you have to do is get your CPA to provide your P & L's and you're on your way to getting pre-approved.


This program has specific guidelines. View below:

As low as 580 FICO

Only 3mo Reserves

Max 85% LTV


Down payment must be
seasoned for 60 days

Minimum Loan Amount:

Maximum Loan Amount:
$6 Million

Up to 6% Seller Concessions allowed

Up to 30yr fixed

Close as quickly as 14 days!



* CPA Prepared P & L statements with required verbiage

* Application Fee $295 WAIVED

* A Tri-Merge Credit Report fee of $45

* Passport or Driver's License

* A Checking Account

* A valid Social Security Card



We are extremely busy with our awesome programs so our time is limited. Only complete this online application if you are really serious in PhoneOps P & L Only Program and ready to move forward after completion. Once your application has been submitted, you'll be re-directed to our Check List Page. There you'll go to and download the P & L Only Check List and start uploading your documents to our site. We'll work hard in getting you pre-approved then assign you to a Licensed Real Estate Agent for showing in a timely manner.

"PhoneOps P & L Only Program" Online Application



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