Income Analysis

Self-Employed Bank Statement Calculation

Upload 12 or 24 months of complete and consecutive bank statements (business or personal) from the same checking/draft account (all pages), AND a fully completed Business Narrative from the borrower. Note: Arc Home will use an expense factor based on the business narrative provided; the expense factor may be adjusted when the case file is submitted for production underwriting if the loan documentation indicates a different expense factor would be more appropriate.

Arc Business Narrative

Asset Utilization Calculation

Upload complete and consecutive financial statements for each account to be used for income; Arc Access Non-QM requires 4 months and Arc Elite requires 12 months.

Complicated Tax Return Analysis

Upload complete tax returns and all schedules.

Other Income Analysis

Upload all required documentation for the selected income type.


Fields marked with asterisk (*) are mandatory

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Attach supporting file(s) by holding your CTRL key and selecting multiple docs at one time or by simply attaching a zip file that contains all of your documents.

NOTE: To see which documents have been attached, hover over "Choose Files" button before you click the Submit button.