What We Offer CPAs + Their Clients

• DSCR Loans
  • Ideal for investor clients—qualification is based on a property’s rental income, not personal income or tax returns.
• Alternative Income Loans
  • Flexible loan programs for self-employed clients who don’t show full income on tax returns. Options include:
    • Bank Statement (qualify using business deposits)
    • 1099 Income (average of recent 1099s, no write-off deductions)
    • P&L (CPA-prepared profit & loss statements)
• Speed & Simplicity
  • Quick turnarounds, less paperwork, and direct communication from start to close.
• CPA-Friendly Collaboration
  
  • We work directly with tax professionals to streamline documentation and support your clients’ goals.

Why TowneBank Mortgage?

• Local Operations: In-house processing and underwriting for faster closings and smooth file reviews.
• Personalized Experience: We listen, collaborate, and guide you through every step of the mortgage process.
• Referral-Driven Service: We’re proud to earn your trust—and your recommendations.
• Ready-to-use, CPA-friendly tools that highlight our shared commitment to service, speed, and success.