Case Studies
Real success stories from our clients. See how we've helped investors and homeowners achieve their financing goals across Virginia, West Virginia, Maryland, and beyond.
Bank Statement Mortgage in Richmond, VA: Closed in 24 Days
12-month business statements with a reasonable expense factor.
Download PDFLoan Amount
Clear-to-Close
Location
Property Type
Bank Statement Mortgage in Richmond, VA
Owner-occupied purchase using 12-month business statements and a 35% expense factor.
The Challenges
- Write-offs made tax returns unusable
- Multiple accounts and two large deposits
The Playbook
- Mapped eligible deposits across 12 months; excluded transfers
- Applied a reasonable 35% expense factor per guidelines
- Pre-cleared large deposits with invoice + bank letter
- Ran appraisal and title on parallel tracks to save time
Outcome
- Clear-to-close in 24 days
- Smooth funding; move-in before school start
- Payment aligned to comfort (no rate quoted)
Coach's Tips
- Keep personal and business deposits separate
- Prep 12–24 months of statements as PDFs
- Avoid new LLCs/account changes mid-process
Download PDF: Bank Statement Mortgage in Richmond, VA: Closed in 24 Days
Enter your information below to get instant access to the PDF version of this case study.
By downloading, you agree to receive communications from Rockhouse Mortgage about mortgage services and resources.
Ready to Start Your Journey?
Get a quick pre-check to see if you qualify for similar loan programs
What You'll Get:
- Instant pre-qualification assessment
- Personalized loan recommendations
- No impact to your credit score
Ready to Create Your Success Story?
Join our clients who have achieved their financing goals. We'll coach you before you order the appraisal.
Free consultation • No obligation • Expert guidance