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https://mbanc.com/mortgage-solutions/non-qm-bank-statement-jumbo/

html mbanc.com collected 2026-10-05 02:11:59 UTC 92,229 bytes, 1,571 lines download raw bytes

1<!DOCTYPE html>
2<html lang="en"><head>
3<meta charset="utf-8">
4<script>/* MBANC consent */
5/* ════════════════════════════════════════════════════════════════════════
6   MBANC Consent Management — Consent Mode v2 + GPC + banner + preferences +
7   footer "Cookie Preferences" / "Do Not Sell or Share" links + pixel gating.
8   Makes the approved Privacy/Cookie Policy's promises true.
9
10   PLACEMENT: must load at the TOP of <head>, BEFORE the gtag.js tag, so the
11   Consent Mode defaults register before any tag fires. The UI defers to load.
12   ════════════════════════════════════════════════════════════════════════ */
13(function () {
14  var STORE_KEY = 'mbanc_consent_v1';
15
16  // ---- gtag bootstrap + Consent Mode v2 DEFAULTS (deny until opt-in) --------
17  window.dataLayer = window.dataLayer || [];
18  if (typeof window.gtag !== 'function') { window.gtag = function () { window.dataLayer.push(arguments); }; }
19  window.gtag('consent', 'default', {
20    ad_storage: 'denied',
21    ad_user_data: 'denied',
22    ad_personalization: 'denied',
23    analytics_storage: 'denied',
24    functionality_storage: 'granted',
25    security_storage: 'granted',
26    wait_for_update: 500
27  });
28
29  // ---- Global Privacy Control -----------------------------------------------
30  var GPC = (navigator.globalPrivacyControl === true);
31  var adQueue = [];  // Meta/TikTok pixel loaders deferred until advertising consent
32
33  // ---- stored consent -------------------------------------------------------
34  function load() { try { return JSON.parse(localStorage.getItem(STORE_KEY)); } catch (e) { return null; } }
35  function save(c) { try { localStorage.setItem(STORE_KEY, JSON.stringify(c)); } catch (e) {} }
36
37  function apply(c) {
38    var adv = !!c.advertising && !GPC;        // GPC forces "sharing/sale" OFF
39    var ana = !!c.analytics;
40    window.gtag('consent', 'update', {
41      ad_storage: adv ? 'granted' : 'denied',
42      ad_user_data: adv ? 'granted' : 'denied',
43      ad_personalization: adv ? 'granted' : 'denied',
44      analytics_storage: ana ? 'granted' : 'denied'
45    });
46    // expose for pixel gating (qq-wire checks this before firing fbq/ttq)
47    window.__mbancAdConsent = adv;
48    window.__mbancAnalyticsConsent = ana;
49    if (adv && adQueue.length) { var q = adQueue.splice(0); q.forEach(function (fn) { try { fn(); } catch (e) {} }); }
50  }
51
52  var consent = load();
53  // First visit (no stored choice): everything denied; if GPC present, persist
54  // an advertising opt-out so it's honored as a valid request.
55  if (!consent) consent = { analytics: false, advertising: false, decided: false, gpc: GPC };
56  apply(consent);
57
58  // ---- UI -------------------------------------------------------------------
59  var CSS =
60    "#mbanc-cc,.mbanc-cc-modal{font-family:var(--sans,system-ui,Arial,sans-serif);box-sizing:border-box}" +
61    "#mbanc-cc{position:fixed;left:16px;right:16px;bottom:16px;z-index:2147483000;max-width:560px;margin:0 auto;background:var(--navy,#091638);color:#fff;border-radius:14px;padding:18px 20px;box-shadow:0 18px 50px -12px rgba(9,22,56,.55);font-size:13.5px;line-height:1.5}" +
62    "#mbanc-cc h4{font-size:14px;margin:0 0 6px;font-weight:600}" +
63    "#mbanc-cc p{margin:0 0 14px;color:rgba(255,255,255,.8)}" +
64    "#mbanc-cc a{color:var(--lime,#D0FD7A);text-decoration:underline}" +
65    "#mbanc-cc .cc-btns{display:flex;gap:8px;flex-wrap:wrap}" +
66    ".cc-btn{font:inherit;font-size:13px;font-weight:600;border-radius:8px;padding:9px 16px;cursor:pointer;border:1px solid transparent}" +
67    ".cc-accept{background:var(--lime,#D0FD7A);color:var(--navy,#091638)}" +
68    ".cc-reject{background:transparent;color:#fff;border-color:rgba(255,255,255,.35)}" +
69    ".cc-prefs{background:transparent;color:var(--lime,#D0FD7A);border-color:transparent;text-decoration:underline;margin-left:auto}" +
70    ".mbanc-cc-ov{position:fixed;inset:0;z-index:2147483600;background:rgba(9,22,56,.5);display:flex;align-items:center;justify-content:center;padding:20px}" +
71    ".mbanc-cc-modal{background:#fff;color:var(--navy,#091638);border-radius:16px;max-width:480px;width:100%;padding:26px;max-height:88vh;overflow:auto;box-shadow:0 24px 60px -12px rgba(9,22,56,.4)}" +
72    ".mbanc-cc-modal h3{font-size:20px;margin:0 0 6px}" +
73    ".mbanc-cc-modal .cc-sub{font-size:13px;color:#555;margin:0 0 18px;line-height:1.5}" +
74    ".cc-row{display:flex;align-items:flex-start;gap:12px;padding:14px 0;border-top:1px solid #eee}" +
75    ".cc-row .cc-txt{flex:1}.cc-row .cc-txt strong{font-size:14px}
75.cc-row .cc-txt span{display:block;font-size:12.5px;color:#666;margin-top:3px;line-height:1.45}" +
76    ".cc-sw{position:relative;width:42px;height:24px;flex:none;margin-top:2px}" +
77    ".cc-sw input{opacity:0;width:0;height:0;position:absolute}" +
78    ".cc-sw .cc-track{position:absolute;inset:0;background:#ccc;border-radius:99px;transition:.2s;cursor:pointer}" +
79    ".cc-sw .cc-track::before{content:'';position:absolute;width:18px;height:18px;left:3px;top:3px;background:#fff;border-radius:50%;transition:.2s}" +
80    ".cc-sw input:checked+.cc-track{background:var(--navy,#091638)}.cc-sw input:checked+.cc-track::before{transform:translateX(18px)}" +
81    ".cc-sw input:disabled+.cc-track{background:var(--lime,#D0FD7A);opacity:.7;cursor:not-allowed}" +
82    ".mbanc-cc-modal .cc-save{margin-top:20px;width:100%;background:var(--navy,#091638);color:#fff;border:none;border-radius:9px;padding:13px;font:inherit;font-weight:600;font-size:14px;cursor:pointer}" +
83    ".cc-gpc-note{font-size:11.5px;color:#888;margin-top:12px;text-align:center}";
84
85  function injectCss() { if (document.getElementById('mbanc-cc-css')) return; var s = document.createElement('style'); s.id = 'mbanc-cc-css'; s.textContent = CSS; document.head.appendChild(s); }
86
87  var POLICY_URL = '/privacy-policy/';
88
89  function showBanner() {
90    if (document.getElementById('mbanc-cc') || consent.decided) return;
91    injectCss();
92    var el = document.createElement('div'); el.id = 'mbanc-cc'; el.setAttribute('role', 'dialog'); el.setAttribute('aria-label', 'Cookie consent');
93    el.innerHTML =
94      '<h4>Your privacy choices</h4>' +
95      '<p>We use cookies and similar technologies for analytics and advertising. You can accept, reject non-essential, or choose. See our <a href="' + POLICY_URL + '">Privacy &amp; Cookie Policy</a>.' + (GPC ? ' <em>We detected a Global Privacy Control signal and have opted you out of sale/sharing.</em>' : '') + '</p>' +
96      '<div class="cc-btns">' +
97      '<button class="cc-btn cc-accept" type="button">Accept all</button>' +
98      '<button class="cc-btn cc-reject" type="button">Reject non-essential</button>' +
99      '<button class="cc-btn cc-prefs" type="button">Preferences</button>' +
100      '</div>';
101    document.body.appendChild(el);
102    el.querySelector('.cc-accept').onclick = function () { setConsent({ analytics: true, advertising: true }); };
103    el.querySelector('.cc-reject').onclick = function () { setConsent({ analytics: false, advertising: false }); };
104    el.querySelector('.cc-prefs').onclick = function () { openModal(); };
105  }
106  function hideBanner() { var b = document.getElementById('mbanc-cc'); if (b) b.remove(); }
107
108  function openModal() {
109    injectCss();
110    var ov = document.createElement('div'); ov.className = 'mbanc-cc-ov';
111    ov.innerHTML =
112      '<div class="mbanc-cc-modal" role="dialog" aria-label="Cookie preferences">' +
113      '<h3>Privacy preferences</h3>' +
114      '<p class="cc-sub">Manage how mbanc.com uses cookies and tracking. Necessary cookies keep the site working and can’t be turned off.</p>' +
115      '<div class="cc-row"><div class="cc-txt"><strong>Strictly necessary</strong><span>Security, form state, load balancing. Always active.</span></div><label class="cc-sw"><input type="checkbox" checked disabled><span class="cc-track"></span></label></div>' +
116      '<div class="cc-row"><div class="cc-txt"><strong>Analytics</strong><span>Helps us understand site usage (e.g., Google Analytics).</span></div><label class="cc-sw"><input type="checkbox" class="cc-ana"' + (consent.analytics ? ' checked' : '') + '><span class="cc-track"></span></label></div>' +
117      '<div class="cc-row"><div class="cc-txt"><strong>Advertising &amp; sharing</strong><span>Personalized ads + measurement via Google, Meta, TikTok. Turning this off is also your “Do Not Sell or Share” opt-out.</span></div><label class="cc-sw"><input type="checkbox" class="cc-adv"' + ((consent.advertising && !GPC) ? ' checked' : '') + (GPC ? ' disabled' : '') + '><span class="cc-track"></span></label></div>' +
118      (GPC ? '<div class="cc-gpc-note">Advertising is locked off because your browser sent a Global Privacy Control signal.</div>' : '') +
119      '<button class="cc-save" type="button">Save my choices</button>' +
120      '</div>';
121    document.body.appendChild(ov);
122    ov.addEventListener('click', function (e) { if (e.target === ov) ov.remove(); });
123    ov.querySelector('.cc-save').onclick = function () {
124      setConsent({ analytics: ov.querySelector('.cc-ana').checked, advertising: ov.querySelector('.cc-adv') ? ov.querySelector('.cc-adv').checked : false });
125      ov.remove();
126    };
127  }
128
129  function setConsent(c) {
130    consent = { analytics: !!c.analytics, advertising: !!c.advertising, decided: true, gpc: GPC };
131    save(consent); apply(consent); hideBanner();
132  }
133
134  // "Do Not Sell or Share" — one-click advertising opt-out (CPRA)
135  function doNotSell() { setConsent({ analytics: consent.analytics, advertising: false }); openConfirmToast('Your “Do Not Sell or Share” preference has been saved.'); }
136  function openConfirmToast(msg) {
137    injectCss();
138    var t = document.createElement('div'); t.id = 'mbanc-cc';
139    t.innerHTML = '<h4>Saved</h4><p style="margin:0">' + msg + '</p>';
140    var ex = document.getElementById('mbanc-cc'); if (ex) ex.remove();
141    document.body.appendChild(t); setTimeout(function () { if (t.parentNode) t.remove(); }, 3500);
142  }
143
144  // ---- footer links: "Cookie Preferences" + "Do Not Sell or Share" ----------
145  function wireFooterLinks() {
146    // wire any links carrying our data hooks / hrefs (idempotent via data-cc-wired)
147    function wire(sel, handler) {
148      document.querySelectorAll(sel).forEach(function (a) {
149        if (a.getAttribute('data-cc-wired')) return;
150        a.setAttribute('data-cc-wired', '1');
151        a.addEventListener('click', function (e) { e.preventDefault(); handler(); });
152      });
153    }
154    wire('a[href="#cookie-preferences"],a[data-cc="prefs"],.cc-open-prefs', openModal);
155    wire('a[href="#do-not-sell"],a[data-cc="dns"],.cc-do-not-sell', doNotSell);
156    // inject the two links into the footer if not already present
157    var footer = document.querySelector('footer .footer-bottom, footer .row1, footer');
158    if (footer && !footer.querySelector('.cc-injected')) {
159      var holder = document.querySelector('footer .footer-bottom') || footer;
160      var wrap = document.createElement('span'); wrap.className = 'cc-injected'; wrap.style.cssText = 'display:block;margin-top:8px;font-size:12px';
161      wrap.innerHTML = '<a href="#cookie-preferences" data-cc="prefs" style="color:inherit;text-decoration:underline">Cookie Preferences</a> · <a href="#do-not-sell" data-cc="dns" style="color:inherit;text-decoration:underline">Do Not Sell or Share My Personal Information</a>';
162      holder.appendChild(wrap);
163      wire('a[href="#cookie-preferences"],a[data-cc="prefs"],.cc-open-prefs', openModal);
164      wire('a[href="#do-not-sell"],a[data-cc="dns"],.cc-do-not-sell', doNotSell);
165    }
166  }
167
168  // expose programmatic API
169  window.MbancConsent = { open: openModal, doNotSell: doNotSell, state: function () { return consent; } };
170  // Run fn now if advertising consent is granted, else defer until it is.
171  // Page pixel snippets (Meta/TikTok) are wrapped in this so they never fire pre-consent.
172  window.__mbancOnAdConsent = function (fn) { if (window.__mbancAdConsent) { try { fn(); } catch (e) {} } else { adQueue.push(fn); } };
173
174  // ---- resilient init -------------------------------------------------------
175  // Static pages complete on the DOMContentLoaded pass. Client-rendered pages
176  // (e.g. the Framer homepage) render <body>/<footer> later — and Framer's render
177  // can wipe our body-appended banner. So re-run on load, on timed retries, and on
178  // DOM mutations (debounced + capped), until the banner is shown/decided AND the
179  // footer links are injected. Every injector is idempotent, so repeat calls are
180  // safe no-ops once everything is in place; the observer then disconnects.
181  function init() { try { wireFooterLinks(); showBanner(); } catch (e) {} }
182  function uiComplete() {
183    var bannerOk = consent.decided || !!document.getElementById('mbanc-cc');
184    var footer = document.querySelector('footer .footer-bottom, footer .row1, footer');
185    var footerOk = !footer || !!footer.querySelector('.cc-injected');
186    return bannerOk && footerOk;
187  }
188  var _mo = null, _moTries = 0;
189  function tick() { init(); if (uiComplete() && _mo) { _mo.disconnect(); _mo = null; } }
190  function startObserver() {
191    if (_mo || !document.body) return;
192    try {
193      _mo = new MutationObserver(function () { if (_moTries++ > 80) { if (_mo) { _mo.disconnect(); _mo = null; } return; } tick(); });
194      _mo.observe(document.body, { childList: true, subtree: true });
195    } catch (e) {}
196  }
197  if (document.readyState === 'loading') {
198    document.addEventListener('DOMContentLoaded', function () { tick(); startObserver(); });
199  } else { tick(); startObserver(); }
200  window.addEventListener('load', tick);
201  [600, 1500, 3000, 5000].forEach(function (ms) { setTimeout(tick, ms); });
202})();
203
204</script>
204
205
206  <meta charset="utf-8">
207  <meta name="viewport" content="width=device-width,initial-scale=1,viewport-fit=cover">
208  <title>Non-QM Bank Statement Jumbo · Mbanc</title>
209  <meta name="description" content="Bank statement jumbo mortgage — qualify on 12 or 24 months of bank deposits, no tax returns. Direct Non-QM bank, loans to $5M+. NMLS #38232.">
210  <meta name="theme-color" content="#091638">
211
212  <link rel="preconnect" href="https://fonts.googleapis.com">
213  <link rel="preconnect" href="https://fonts.gstatic.com" crossorigin="">
214  <style>/* cyrillic-ext */
215@font-face {
216  font-family: 'Geist Mono';
217  font-style: normal;
218  font-weight: 400;
219  font-display: swap;
220  src: url("/redesign-assets/82b1bb37-a01e-4a8c-b86d-e2fa9455a4cb.woff2") format('woff2');
221  unicode-range: U+0460-052F, U+1C80-1C8A, U+20B4, U+2DE0-2DFF, U+A640-A69F, U+FE2E-FE2F;
222}
223/* cyrillic */
224@font-face {
225  font-family: 'Geist Mono';
226  font-style: normal;
227  font-weight: 400;
228  font-display: swap;
229  src: url("/redesign-assets/20de1f8d-5987-4ee0-839f-f880021eb3cf.woff2") format('woff2');
230  unicode-range: U+0301, U+0400-045F, U+0490-0491, U+04B0-04B1, U+2116;
231}
232/* symbols2 */
233@font-face {
234  font-family: 'Geist Mono';
235  font-style: normal;
236  font-weight: 400;
237  font-display: swap;
238  src: url("/redesign-assets/09825719-0822-48c7-8a84-1c9d6c015f8a.woff2") format('woff2');
239  unicode-range: U+2000-2001, U+2004-2008, U+200A, U+23B8-23BD, U+2500-259F;
240}
241/* vietnamese */
242@font-face {
243  font-family: 'Geist Mono';
244  font-style: normal;
245  font-weight: 400;
246  font-display: swap;
247  src: url("/redesign-assets/d2b04f4f-7c90-4cdf-ad6f-5d8e2fdcc343.woff2") format('woff2');
248  unicode-range: U+0102-0103, U+0110-0111, U+0128-0129, U+0168-0169, U+01A0-01A1, U+01AF-01B0, U+0300-0301, U+0303-0304, U+0308-0309, U+0323, U+0329, U+1EA0-1EF9, U+20AB;
249}
250/* latin-ext */
251@font-face {
252  font-family: 'Geist Mono';
253  font-style: normal;
254  font-weight: 400;
255  font-display: swap;
256  src: url("/redesign-assets/7d73ebbb-cc98-4621-a2c7-3ea5a1121363.woff2") format('woff2');
257  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
258}
259/* latin */
260@font-face {
261  font-family: 'Geist Mono';
262  font-style: normal;
263  font-weight: 400;
264  font-display: swap;
265  src: url("/redesign-assets/e18751df-b959-4a62-b0d7-42da3227b735.woff2") format('woff2');
266  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
267}
268/* cyrillic-ext */
269@font-face {
270  font-family: 'Geist Mono';
271  font-style: normal;
272  font-weight: 500;
273  font-display: swap;
274  src: url("/redesign-assets/82b1bb37-a01e-4a8c-b86d-e2fa9455a4cb.woff2") format('woff2');
275  unicode-range: U+0460-052F, U+1C80-1C8A, U+20B4, U+2DE0-2DFF, U+A640-A69F, U+FE2E-FE2F;
276}
277/* cyrillic */
278@font-face {
279  font-family: 'Geist Mono';
280  font-style: normal;
281  font-weight: 500;
282  font-display: swap;
283  src: url("/redesign-assets/20de1f8d-5987-4ee0-839f-f880021eb3cf.woff2") format('woff2');
284  unicode-range: U+0301, U+0400-045F, U+0490-0491, U+04B0-04B1, U+2116;
285}
286/* symbols2 */
287@font-face {
288  font-family: 'Geist Mono';
289  font-style: normal;
290  font-weight: 500;
291  font-display: swap;
292  src: url("/redesign-assets/09825719-0822-48c7-8a84-1c9d6c015f8a.woff2") format('woff2');
293  unicode-range: U+2000-2001, U+2004-2008, U+200A, U+23B8-23BD, U+2500-259F;
294}
295/* vietnamese */
296@font-face {
297  font-family: 'Geist Mono';
298  font-style: normal;
299  font-weight: 500;
300  font-display: swap;
301  src: url("/redesign-assets/d2b04f4f-7c90-4cdf-ad6f-5d8e2fdcc343.woff2") format('woff2');
302  unicode-range: U+0102-0103, U+0110-0111, U+0128-0129, U+0168-0169, U+01A0-01A1, U+01AF-01B0, U+0300-0301, U+0303-0304, U+0308-0309, U+0323, U+0329, U+1EA0-1EF9, U+20AB;
303}
304/* latin-ext */
305@font-face {
306  font-family: 'Geist Mono';
307  font-style: normal;
308  font-weight: 500;
309  font-display: swap;
310  src: url("/redesign-assets/7d73ebbb-cc98-4621-a2c7-3ea5a1121363.w
310off2") format('woff2');
311  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
312}
313/* latin */
314@font-face {
315  font-family: 'Geist Mono';
316  font-style: normal;
317  font-weight: 500;
318  font-display: swap;
319  src: url("/redesign-assets/e18751df-b959-4a62-b0d7-42da3227b735.woff2") format('woff2');
320  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
321}
322/* latin-ext */
323@font-face {
324  font-family: 'Instrument Serif';
325  font-style: italic;
326  font-weight: 400;
327  font-display: swap;
328  src: url("/redesign-assets/83fdd7fd-b82b-4c9e-b42c-1ac0e2f919b7.woff2") format('woff2');
329  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
330}
331/* latin */
332@font-face {
333  font-family: 'Instrument Serif';
334  font-style: italic;
335  font-weight: 400;
336  font-display: swap;
337  src: url("/redesign-assets/874ae69d-bd11-4d90-a0ba-986d67fb59a4.woff2") format('woff2');
338  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
339}
340/* latin-ext */
341@font-face {
342  font-family: 'Instrument Serif';
343  font-style: normal;
344  font-weight: 400;
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402}
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405  font-family: 'Manrope';
406  font-style: normal;
407  font-weight: 300;
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411}
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414  font-family: 'Manrope';
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416  font-weight: 400;
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423  font-family: 'Manrope';
424  font-style: normal;
425  font-weight: 400;
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428  unicode-range: U+0301, U+0400-045F, U+0490-0491, U+04B0-04B1, U+2116;
429}
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434  font-weight: 400;
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441  font-family: 'Manrope';
442  font-style: normal;
443  font-weight: 400;
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456}
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465}
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510}
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681}
682</style>
683
684  <link rel="stylesheet" href="/redesign-assets/site.css">
685  
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695  <meta property="og:url" content="https://mbanc.com/mortgage-solutions/non-qm-bank-statement-jumbo/">
696  <meta property="og:title" content="Non-QM Bank Statement Jumbo · Mbanc">
697  <meta property="og:description" content="Bank statement jumbo mortgage — qualify on 12 or 24 months of bank deposits, no tax returns. Direct Non-QM bank, loans to $5M+. NMLS #38232.">
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703  <!-- analytics -->
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735
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737  <!-- MBANC mobile polish 2026-06-12 -->
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741</head>
742<body>
743
744  <!-- ============ UTILITY ============ -->
745  <div class="utility">
746    <div class="container">
747      <div class="live">
748        <span class="pulse"></span>
749        <span><strong style="color:#fff;font-weight:500">Principal Bankers live</strong> · 7 days · 8am–11pm ET</span>
750      </div>
751      <div>
752        <a href="tel:+18449181886">Call a banker · <strong style="color:#fff;font-weight:500">(844) 918-1886</strong></a>
753      </div>
754    </div>
755  </div>
756
757  <!-- ============ HEADER ============ -->
758  <header class="site-header">
759    <div class="container nav" data-comment-anchor="d8ed6f6c7c-div">
760      <a href="/" class="logo" aria-label="Mbanc home">
761        <img src="/redesign-assets/b09ed120-a27e-4403-9dee-5903011b26a9.png" alt="Mbanc">
762      </a>
763
764      <nav class="primary-nav">
765        <ul>
766          <li class="nav-item has-menu">
767            <button class="nav-link" type="button">Mortgage Solutions <span class="caret" aria-hidden="true"></span></button>
768            <div class="megamenu wide">
769              <div class="mm-col">
770                <div class="mm-title">Self-employed</div>
771                <a href="/mortgage-solutions/non-qm-bank-statement-jumbo/"><span>Bank Statement Jumbo</span><em>12 or 24 mo deposits</em></a>
772                <a href="/1099-mortgage-loans/"><span>1099 Jumbo</span><em>Contractors &amp; gig</em></a>
773                <a href="/mortgage-solutions/asset-utilization/"><span>Asset Utilization</span><em>High net worth</em></a>
774              </div>
775              <div class="mm-col">
776                <div class="mm-title">Investment</div>
777                <a href="/mortgage-solutions/non-qm-dscr/"><span>DSCR Rental Income</span><em>Cash-flow only</em></a>
778                <a href="/foreign-national-mortgage-loans/"><span>Foreign National</span><em>No US credit / SSN</em></a>
779                <a href="/mortgage-solutions/interest-only-jumbo/"><span>Interest-Only Jumbo</span><em>Lower carry</em></a>
780              </div>
781              <div class="mm-col">
782                <div class="mm-title">Refinance</div>
783                <a href="/mortgage-solutions/refinance-mortgages/"><span>Refinance Solutions</span><em>Rate &amp; term</em></a>
784                <a href="/mortgage-solutions/closed-end-second-mortgage/"><span>Closed-End Second</span><em>Up to $500K</em></a>
785              </div>
786            </div>
787          </li>
788          <li class="nav-item has-menu">
789            <button class="nav-link" type="button">Calculators <span class="caret" aria-hidden="true"></span></button>
790            <div class="megamenu">
791              <a href="/bank-statement.html"><span>Bank Statement</span><em>Self-employed</em></a>
792              <a href="/1099.html"><span>1099 Income</span><em>Contractors</em></a>
793              <a href="/dscr.html"><span>DSCR Rental</span><em>Investors</em></a>
794              <a href="/asset-utilization.html"><span>Asset Utilization</span><em>High net worth</em></a>
795            </div>
796          </li>
797          <li class="nav-item has-menu">
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800              <a href="/agility-advantage-faq/"><span>Agility Advantage FAQ</span><em>How it works</em></a>
801              <a href="/bank-statement-mortgage-loan-faq/"><span>Bank Statement FAQ</span><em>Self-employed</em></a>
802              <a href="/1099-mortgage-loan-faq/"><span>1099 Mortgage FAQ</span><em>Contractors</em></a>
803              <a href="/dscr-mortgage-loan-faq/"><span>DSCR Mortgage FAQ</span><em>Investors</em></a>
804              <a href="/asset-based-mortgage-loan-faq/"><span>Asset-Based FAQ</span><em>HNW</em></a>
805              <a href="/real-time-market-insights/"><span>Market Calendar</span><em>Live insights</em></a>
806            </div>
807          </li>
808          <li class="nav-item"><a class="nav-link" href="/blog/">Blog</a></li>
809          <li class="nav-item"><a class="nav-link" href="/clear-approval/">Clear Approval</a></li>
810        </ul>
811      </nav>
812
813      <div class="nav-cta">
814        <a class="phone" href="tel:+18449181886"><span class="phone-dot"></span>(844) 918-1886</a>
815        <a class="btn btn-primary" href="#quickqual">Get Qualified <span class="arrow">→</span></a>
816      </div>
817    </div>
818  </header>
819
820  <!-- ============ PAGE HERO ============ -->
821  <section class="bsj-hero" id="quickqual">
822    <span class="hero-bg-glyph" aria-hidden="true">m</span>
823    <div class="container bsj-hero-grid">
824      <div class="bsj-hero-copy">
825        <nav class="breadcrumbs" aria-label="Breadcrumb">
826          <a href="/">Home</a> <span class="sep">/</span>
827          <a href="/mortgage-solutions/">Mortgage Solutions</a> <span class="sep">/</span>
828          <span class="current">Non-QM Bank Statement Jumbo</span>
829        </nav>
830        <span class="page-eyebrow"><span class="dot"></span>Mbanc Bank Statement Jumbo Loans</span>
831        <h1>Empower your homeownership with <em>specialized Non-QM</em> Bank Statement Jumbo loans.</h1>
832        <p class="page-lead"><strong>Designed for self-employed borrowers</strong> whose tax returns don’t reflect their real earnings. Qualify on 12 or 24 months of bank deposits — not W-2s, not adjusted gross income. Loan amounts to $3M+. 46-state coverage.</p>
833        <div class="bsj-hero-actions">
834          <a class="btn btn-primary btn-lg" href="#qq-card">Start QuickQual <span class="arrow">→</span></a>
835          <a class="btn btn-ghost" href="tel:+18449181886">Call (844) 918-1886</a>
836        </div>
837        <div class="hero-spec-row">
838          <span class="hero-spec"><strong>NMLS #38232</strong></span>
839          <span class="hero-spec">Direct Lender</span>
840          <span class="hero-spec">15-Day Closings</span>
841          <span class="hero-spec">No Tax Returns</span>
842        </div>
843      </div>
844
845      <!-- QuickQual card -->
846      <aside class="quickqual" aria-label="QuickQual form" id="qq-card">
847        <div class="quickqual-head">
848          <div class="live-pill"><span class="pulse-orange"></span>Live · QuickQual™</div>
849          <div class="step" id="qq-step-counter">Step 1 / 4</div>
850        </div>
851
852        <div class="qq-progress"><div class="fill" id="qq-fill"></div></div>
853
854        <!-- STEP 1 — Income source -->
855        <div class="qq-step active" data-step="1">
856          <div class="qq-q">How do you actually earn?</div>
857          <div class="qq-sub">Pick what fits. No initial credit pull. No tax returns. We'll route the math from there.</div>
858          <div class="qq-options" data-group="income">
859            <button class="qq-opt active" data-val="bank-12"><span class="qq-opt-label">12-mo bank stmts</span><span class="qq-opt-sub">Self-employed</span></button>
860            <button class="qq-opt" data-val="bank-24"><span class="qq-opt-label">24-mo bank stmts</span><span class="qq-opt-sub">Longer track record</span></button>
861            <button class="qq-opt" data-val="1099"><span class="qq-opt-label">1099 income</span><span class="qq-opt-sub">Contractor / gig</span></button>
862            <button class="qq-opt" data-val="dscr"><span class="qq-opt-label">DSCR — rent</span><span class="qq-opt-sub">Investment</span></button>
863            <button class="qq-opt" data-val="assets"><span class="qq-opt-label">Liquid assets</span><span class="qq-opt-sub">High net worth</span></button>
864            <button class="qq-opt" data-val="foreign"><span class="qq-opt-label">Foreign / non-res</span><span class="qq-opt-sub">No US returns</span></button>
865          </div>
866        </div>
867
868        <!-- STEP 2 — Purpose + use -->
869        <div class="qq-step" data-step="2">
870          <div class="qq-q">What's the loan for?</div>
871          <div class="qq-sub">Tell us the purpose and how the property will be used.</div>
872          <div class="qq-field-label">Loan purpose</div>
873          <div class="qq-options" data-group="purpose">
874            <button class="qq-opt active" data-val="purchase"><span class="qq-opt-label">Purchase</span><span class="qq-opt-sub">New home</span></button>
875            <button class="qq-opt" data-val="refi"><span class="qq-opt-label">Rate &amp; Term Refi</span><span class="qq-opt-sub">Lower payment</span></button>
876            <button class="qq-opt" data-val="cashout"><span class="qq-opt-label">Cash-Out Refi</span><span class="qq-opt-sub">Tap equity</span></button>
877            <button class="qq-opt" data-val="invest"><span class="qq-opt-label">Investment</span><span class="qq-opt-sub">Non-owner-occupied</span></button>
878          </div>
879          <div class="qq-field-label">Property use</div>
880          <div class="qq-options qq-options-3" data-group="use">
881            <button class="qq-opt active" data-val="primary"><span class="qq-opt-label">Primary</span></button>
882            <button class="qq-opt" data-val="second"><span class="qq-opt-label">Second home</span></button>
883            <button class="qq-opt" data-val="investment"><span class="qq-opt-label">Investment</span></button>
884          </div>
885        </div>
886
887        <!-- STEP 3 — Loan + credit -->
888        <div class="qq-step" data-step="3">
889          <div class="qq-q">Loan size &amp; credit.</div>
890          <div class="qq-sub">A rough range is enough. We'll firm it up on the call.</div>
891          <div class="qq-field-label">Loan amount <span class="qq-field-val" id="qq-loan-val">$750,000</span></div>
892          <input type="range" id="qq-loan" class="qq-range" min="150" max="5000" step="50" value="750">
893          <div class="qq-range-axis"><span>$150K</span><span>$2.5M</span><span>$5M+</span></div>
894
895          <div class="qq-field-label" style="margin-top:18px">Property value <span class="qq-field-val" id="qq-pv-val">$1,000,000</span></div>
896          <input type="range" id="qq-pv" class="qq-range" min="200" max="6000" step="50" value="1000">
897          <div class="qq-range-axis"><span>$200K</span><span>$3M</span><span>$6M+</span></div>
898
899          <div class="qq-field-label" style="margin-top:18px">Estimated credit</div>
900          <div class="qq-options qq-options-3" data-group="credit">
901            <button class="qq-opt" data-val="760+"><span class="qq-opt-label">760+</span></button>
902            <button class="qq-opt active" data-val="720"><span class="qq-opt-label">720–759</span></button>
903            <button class="qq-opt" data-val="680"><span class="qq-opt-label">680–719</span></button>
904            <button class="qq-opt" data-val="660"><span class="qq-opt-label">660–679</span></button>
905            <button class="qq-opt" data-val="640"><span class="qq-opt-label">640–659</span></button>
906            <button class="qq-opt" data-val="&lt;640"><span class="qq-opt-label">Below 640</span></button>
907          </div>
908        </div>
909
910        <!-- STEP 4 — Contact -->
911        <div class="qq-step" data-step="4">
912          <div class="qq-q">Where do we send your number?</div>
913          <div class="qq-sub">A Principal Banker will reach out within one business hour.</div>
914          <div class="qq-input-grid">
915            <label class="qq-input"><span>Full name</span><input type="text" placeholder="Jane Carter" autocomplete="name"></label>
916            <label class="qq-input"><span>Email</span><input type="email" placeholder="[email protected]" autocomplete="email"></label>
917            <label class="qq-input"><span>Mobile</span><input type="tel" placeholder="(555) 123-4567" autocomplete="tel"></label>
918            <label class="qq-input"><span>Property state</span>
919              <select>
920                <option>Select state</option>
921                <option>Arizona</option><option>California</option><option>Colorado</option><option>Connecticut</option><option>Florida</option><option>Georgia</option><option>Idaho</option><option>Illinois</option><option>Maryland</option><option>Michigan</option><option>Nevada</option><option>New Jersey</option><option>North Carolina</option><option>Ohio</option><option>Oregon</option><option>Pennsylvania</option><option>South Carolina</option><option>Tennessee</option><option>Texas</option><option>Utah</option><option>Virginia</option><option>Washington</option>
922              </select>
923            </label>
924          </div>
925          <label class="qq-consent">
926            <input type="checkbox">
927            <span>I agree to be contacted by <strong>Mbanc / Mortgage Bank of California Inc.</strong> about mortgage products at the phone and email I provided. Consent is not a condition of any service. <a href="/privacy-policy/">Privacy</a> · <a href="/sms-terms-conditions/">SMS Terms</a>.</span>
928          </label>
929        </div>
930
931        <!-- SUCCESS -->
932        <div class="qq-step qq-success" data-step="5">
933          <div class="qq-check">✓</div>
934          <div class="qq-q" style="font-size:28px;margin-bottom:14px">You're in.</div>
935          <p class="qq-sub" style="margin-bottom:22px;font-size:14.5px;line-height:1.55"><strong style="color:var(--navy)">Lock in your call now</strong> — pick a 15-minute slot below and a Principal Banker holds the time for you.</p>
936          <div class="qq-slots">
937            <button class="qq-slot">Today<br><strong>3:30 PM ET</strong></button>
938            <button class="qq-slot">Today<br><strong>5:15 PM ET</strong></button>
939            <button class="qq-slot">Tomorrow<br><strong>9:00 AM ET</strong></button>
940            <button class="qq-slot">Tomorrow<br><strong>11:30 AM ET</strong></button>
941          </div>
942          <p class="qq-sub" style="margin-top:16px;font-size:13px">Or wait for the callback — a Principal Banker will reach you within <strong style="color:var(--navy)">one business hour.</strong> 97% pull-through on every loan we submit.</p>
943        </div>
944
945        <div class="qq-foot">
946          <button class="qq-back" id="qq-back" type="button" style="display:none">← Back</button>
947          <span class="small" id="qq-foot-note">No initial credit pull · No tax returns</span>
948          <button class="btn btn-navy" id="qq-next" type="button">Continue <span class="arrow">→</span></button>
949        </div>
950
951        <div class="qq-tagline">
952          <span>Your Vision</span>
953          <span>Our Expertise</span>
954          <span>Your Deal Is Done</span>
955        </div>
956      </aside>
957    </div>
958  </section>
959
960  <!-- ============ 97% PULL-THROUGH BAND ============ -->
961  <section class="bsj-band">
962    <div class="container bsj-band-grid">
963      <div class="bsj-band-stat">
964        <span class="bsj-band-num tabular">97<span class="bsj-band-unit">%</span></span>
965        <span class="bsj-band-label">Pull-through rate · every loan we submit</span>
966      </div>
967      <div class="bsj-band-stat">
968        <span class="bsj-band-num tabular">$2.2<span class="bsj-band-unit">B+</span></span>
969        <span class="bsj-band-label">Non-QM funded in the last 5 years</span>
970      </div>
971      <div class="bsj-band-stat">
972        <span class="bsj-band-num tabular">15<span class="bsj-band-unit">d</span></span>
973        <span class="bsj-band-label">Typical close · in-house underwriter, in-house capital</span>
974      </div>
975      <div class="bsj-band-stat">
976        <span class="bsj-band-num tabular">46</span>
977        <span class="bsj-band-label">States licensed · since 2005</span>
978      </div>
979    </div>
980  </section>
981
982  <!-- ============ QUALIFY WITH EASE ============ -->
983  <section class="section bsj-qualify">
984    <div class="container container-narrow">
985      <div class="overline"><span class="dot"></span>Qualify with ease</div>
986      <h2>Bank Statement Mortgage Loans — the <em>self-employed path</em> to a real approval.</h2>
987      <p class="lead">Forget the conventional system. Bank statement loans let you qualify based on your business or personal deposits — the cash flow your business actually generates, not the income left after legitimate write-offs. No tax returns required. No W-2 required. Just deposits, ownership, and a real Mbanc underwriter reading your file.</p>
988    </div>
989  </section>
990
991  <!-- ============ HOW THE PROCESS WORKS ============ -->
992  <section class="section how-math bsj-process">
993    <div class="container">
994      <div class="overline"><span class="dot"></span>How the process works</div>
995      <h2 style="margin-top:18px;margin-bottom:22px">5 steps from <em>QuickQual to closing.</em></h2>
996      <p class="lead" style="max-width:820px;margin-bottom:48px">No application required at intake. No initial credit pull until you choose to proceed. A real underwriter — not an algorithm — reviews every Mbanc Bank Statement file.</p>
997      <div class="hw-grid bsj-steps-grid">
998
999        <article class="hw-card">
1000          <span class="hw-num">01</span>
1001          <h3>Get Pre-Qualified</h3>
1002          <p>Start with our QuickQual — no application required at intake, no initial credit pull. A real Mbanc underwriter reviews the file within 24 hours.</p>
1003        </article>
1004        <article class="hw-card">
1005          <span class="hw-num">02</span>
1006          <h3>Submit Statements</h3>
1007          <p>Provide 12 or 24 months of business or personal bank statements. Mbanc reads the deposits — not the tax return, not a W-2.</p>
1008        </article>
1009        <article class="hw-card">
1010          <span class="hw-num">03</span>
1011          <h3>Underwriter Review</h3>
1012          <p>Your Principal Banker walks the file through underwriting in-house. Conditions are stated up front, not drip-fed after submission.</p>
1013        </article>
1014        <article class="hw-card">
1015          <span class="hw-num">04</span>
1016          <h3>Get Approved</h3>
1017          <p>Receive a real loan amount, rate, fees, and closing timeline. No bait-and-switch. 97% pull-through on every loan we submit.</p>
1018        </article>
1019        <article class="hw-card">
1020          <span class="hw-num">05</span>
1021          <h3>Close Your Loan</h3>
1022          <p>Most Mbanc bank-statement files close in 15 days. We fund with our own capital — no broker handoff, no third-party investor approval.</p>
1023        </article>
1024      </div>
1025    </div>
1026  </section>
1027
1028  <!-- ============ KEY BENEFITS / WHY MBANC ============ -->
1029  <section class="section bsj-benefits">
1030    <div class="container">
1031      <div class="overline"><span class="dot"></span>Why borrowers choose Mbanc</div>
1032      <h2 style="margin-top:18px;margin-bottom:32px">The bank that <em>reads your file the way you actually earn.</em></h2>
1033      <div class="bsj-benefits-grid">
1034        <div class="bsj-benefit">
1035          <div class="bsj-benefit-mark">01</div>
1036          <h4>No tax returns required</h4>
1037          <p>Qualify on business or personal bank deposits. Your write-offs don’t hurt your application.</p>
1038        </div>
1039        <div class="bsj-benefit">
1040          <div class="bsj-benefit-mark">02</div>
1041          <h4>Loan amounts up to $3M+</h4>
1042          <p>From entry jumbo to ultra-jumbo. Real estate that fits your income story, not a one-size box.</p>
1043        </div>
1044        <div class="bsj-benefit">
1045          <div class="bsj-benefit-mark">03</div>
1046          <h4>15-day typical close</h4>
1047          <p>Direct lender, in-house underwriting, in-house capital. No broker handoff, no investor approval.</p>
1048        </div>
1049        <div class="bsj-benefit">
1050          <div class="bsj-benefit-mark">04</div>
1051          <h4>FICO 640+ qualifies</h4>
1052          <p>Best LTV (90%) unlocks at 740+. Below that, LTV steps down predictably — no surprises at the closing table.</p>
1053        </div>
1054        <div class="bsj-benefit">
1055          <div class="bsj-benefit-mark">05</div>
1056          <h4>Owner, second, &amp; investment</h4>
1057          <p>All property uses eligible in 22 owner-occupied states. Investment-only loans in all 46 Mbanc states.</p>
1058        </div>
1059        <div class="bsj-benefit">
1060          <div class="bsj-benefit-mark">06</div>
1061          <h4>97% pull-through</h4>
1062          <p>When Mbanc says you’re approved, you close. No "subject to investor approval" caveat.</p>
1063        </div>
1064      </div>
1065    </div>
1066  </section>
1067
1068  <!-- ============ PROPERTY TYPES ============ -->
1069  <section class="section bsj-properties">
1070    <div class="container">
1071      <div class="overline"><span class="dot"></span>Eligible property types</div>
1072      <h2 style="margin-top:18px;margin-bottom:14px">Bank Statement loans cover <em>every property scenario.</em></h2>
1073      <p class="lead" style="max-width:760px;margin-bottom:32px">From a primary residence to a vacation home to an investment portfolio, the Mbanc Bank Statement program is built to flex around how you actually use real estate.</p>
1074      <div class="ca-states-grid bsj-properties-grid">
1075
1076        <div class="ca-state">
1077          <span class="ca-state-name">Primary Residence</span>
1078          <span class="ca-state-tag">Owner-occupied home loans for self-employed borrowers in 22 states.</span>
1079          <span class="ca-state-arrow">→</span>
1080        </div>
1081        <div class="ca-state">
1082          <span class="ca-state-name">Second Home</span>
1083          <span class="ca-state-tag">Vacation and second-home financing using business or personal deposits.</span>
1084          <span class="ca-state-arrow">→</span>
1085        </div>
1086        <div class="ca-state">
1087          <span class="ca-state-name">Investment Property</span>
1088          <span class="ca-state-tag">Non-owner-occupied loans available in all 46 states where Mbanc lends.</span>
1089          <span class="ca-state-arrow">→</span>
1090        </div>
1091        <div class="ca-state">
1092          <span class="ca-state-name">Single-Family / Condo</span>
1093          <span class="ca-state-tag">SFR, townhomes, condos, and 2–4-unit properties all eligible.</span>
1094          <span class="ca-state-arrow">→</span>
1095        </div>
1096      </div>
1097    </div>
1098  </section>
1099
1100  <!-- ============ TAILORED SOLUTIONS (replaces self-emp program) ============ -->
1101  <section class="section ca-covers bsj-tailored">
1102    <div class="container">
1103      <div class="overline"><span class="dot"></span>Other Mbanc solutions</div>
1104      <h2 style="margin-top:18px;margin-bottom:22px">Don’t fit a Bank Statement file? <em>We have a path for that too.</em></h2>
1105      <p class="lead" style="max-width:820px;margin-bottom:48px">Bank Statement Jumbo is one of five Mbanc qualification methods. If your earnings live elsewhere — 1099, assets, rent, or a complex blend — the same underwriter who handles your Bank Statement file can route you to the right product.</p>
1106      <div class="ca-grid bsj-tailored-grid">
1107
1108        <article class="ca-card" data-glyph="¶">
1109          <div class="ca-card-mark">¶</div>
1110          <h3>1099 Jumbo</h3>
1111          <p>For consultants, sales pros, real-estate agents, and contractors. Qualify on the gross 1099 income — 90% counts, no W-2 required.</p>
1112        </article>
1113        <article class="ca-card" data-glyph="A">
1114          <div class="ca-card-mark">A</div>
1115          <h3>Asset Utilization</h3>
1116          <p>High-net-worth borrowers and retirees qualify on brokerage, retirement, and cash balances. Assets stay invested — never pledged.</p>
1117        </article>
1118        <article class="ca-card" data-glyph="%">
1119          <div class="ca-card-mark">%</div>
1120          <h3>DSCR Investment</h3>
1121          <p>Investment property loans qualify on the rent the property earns. No personal income required. LLC closings welcome.</p>
1122        </article>
1123        <article class="ca-card" data-glyph="∫">
1124          <div class="ca-card-mark">∫</div>
1125          <h3>Interest-Only Jumbo</h3>
1126          <p>Lower monthly carry for sophisticated borrowers waiting on a liquidity event or optimizing cash flow inside a portfolio.</p>
1127        </article>
1128      </div>
1129    </div>
1130  </section>
1131
1132  <!-- ============ TESTIMONIAL ============ -->
1133  
1134
1135  <!-- ============ READY-TO-RUN CTA STRIP ============ -->
1136  <section class="calc-cta-strip bsj-cta-strip">
1137    <div class="container">
1138      <div class="cta-strip-card">
1139        <div class="cta-strip-copy">
1140          <span class="cta-strip-eyebrow">Bank Statement Jumbo</span>
1141          <p class="cta-strip-line">Tell us how you actually earn — a real <em>Principal Banker</em> answers within one business hour. No initial credit pull. No application required at intake.</p>
1142        </div>
1143        <div class="cta-strip-actions">
1144          <a class="btn btn-primary" href="#qq-card">Start QuickQual <span class="arrow">→</span></a>
1145          <a class="btn btn-ghost" href="tel:+18449181886">Call a banker</a>
1146        </div>
1147      </div>
1148    </div>
1149  </section>
1150
1151  <!-- ============ FAQ ============ -->
1152  <section class="section faq faq-elegant" id="faq">
1153    <div class="container">
1154      <header class="faq-elegant-head">
1155        <div>
1156          <span class="overline"><span class="dot"></span>Bank Statement FAQ</span>
1157          <h2>Frequently asked.</h2>
1158          <p class="lead">About qualifying, deposits, and how the Mbanc bank-statement underwriting math actually works — answered without jargon.</p>
1159        </div>
1160        <a class="btn btn-ghost" href="tel:+18449181886">Call a Banker → (844) 918-1886</a>
1161      </header>
1162      <div class="faq-elegant-list">
1163        <div class="faq-elegant-item open">
1164          <button class="faq-q" type="button">
1165            <span class="faq-elegant-num">01.</span>
1166            <span class="faq-elegant-q">What is the bank statement loan calculator and how does it work?</span>
1167            <span class="faq-elegant-toggle" aria-hidden="true">
1168              <svg viewBox="0 0 24 24" width="14" height="14"><path d="M6 9l6 6 6-6" stroke="currentColor" stroke-width="1.8" fill="none" stroke-linecap="round" stroke-linejoin="round"></path></svg>
1169            </span>
1170          </button>
1171          <div class="faq-a"><div class="faq-a-inner">It estimates your qualifying income from 12 or 24 months of business or personal bank deposits — using the actual factors Mbanc applies in underwriting (ownership %, expense factor, deposit averaging). It returns a qualifying monthly income and a maximum loan amount on the inputs you provide.</div></div>
1172        </div>
1173        <div class="faq-elegant-item">
1174          <button class="faq-q" type="button">
1175            <span class="faq-elegant-num">02.</span>
1176            <span class="faq-elegant-q">How much income can I qualify for with a bank statement loan?</span>
1177            <span class="faq-elegant-toggle" aria-hidden="true">
1178              <svg viewBox="0 0 24 24" width="14" height="14"><path d="M6 9l6 6 6-6" stroke="currentColor" stroke-width="1.8" fill="none" stroke-linecap="round" stroke-linejoin="round"></path></svg>
1179            </span>
1180          </button>
1181          <div class="faq-a"><div class="faq-a-inner">It depends on the deposits, the ownership percentage of the business, and the expense factor applied. Typical files qualify on roughly 50% of gross business deposits (or 100% of personal account deposits). The calculator on this site mirrors Mbanc's actual underwriting math.</div></div>
1182        </div>
1183        <div class="faq-elegant-item">
1184          <button class="faq-q" type="button">
1185            <span class="faq-elegant-num">03.</span>
1186            <span class="faq-elegant-q">What is the difference between personal and business bank statements?</span>
1187            <span class="faq-elegant-toggle" aria-hidden="true">
1188              <svg viewBox="0 0 24 24" width="14" height="14"><path d="M6 9l6 6 6-6" stroke="currentColor" stroke-width="1.8" fill="none" stroke-linecap="round" stroke-linejoin="round"></path></svg>
1189            </span>
1190          </button>
1191          <div class="faq-a"><div class="faq-a-inner">Personal account deposits qualify at 100% — no expense factor, no ownership math. Business account deposits are adjusted by your ownership percentage and a stated expense factor (50% standard, 25% with a CPA letter, or 10% with full CPA support).</div></div>
1192        </div>
1193        <div class="faq-elegant-item">
1194          <button class="faq-q" type="button">
1195            <span class="faq-elegant-num">04.</span>
1196            <span class="faq-elegant-q">How accurate is the bank statement loan calculator?</span>
1197            <span class="faq-elegant-toggle" aria-hidden="true">
1198              <svg viewBox="0 0 24 24" width="14" height="14"><path d="M6 9l6 6 6-6" stroke="currentColor" stroke-width="1.8" fill="none" stroke-linecap="round" stroke-linejoin="round"></path></svg>
1199            </span>
1200          </button>
1201          <div class="faq-a"><div class="faq-a-inner">The math is identical to Mbanc's in-house underwriting math at the 8% assumed rate. The qualifying income figure is exact; the maximum loan size is a real, conservative estimate at the LTV grid for your inputs. A Principal Banker can refine the final number on a 60-second call.</div></div>
1202        </div>
1203        <div class="faq-elegant-item">
1204          <button class="faq-q" type="button">
1205            <span class="faq-elegant-num">05.</span>
1206            <span class="faq-elegant-q">Do I need to provide tax returns to qualify?</span>
1207            <span class="faq-elegant-toggle" aria-hidden="true">
1208              <svg viewBox="0 0 24 24" width="14" height="14"><path d="M6 9l6 6 6-6" stroke="currentColor" stroke-width="1.8" fill="none" stroke-linecap="round" stroke-linejoin="round"></path></svg>
1209            </span>
1210          </button>
1211          <div class="faq-a"><div class="faq-a-inner">No. Bank statement loans are non-QM by design — your deposits replace the tax return. Mbanc qualifies you on the cash flow your business actually generates, not the income left after deductions.</div></div>
1212        </div>
1213        <div class="faq-elegant-item">
1214          <button class="faq-q" type="button">
1215            <span class="faq-elegant-num">06.</span>
1216            <span class="faq-elegant-q">What credit score is needed for a bank statement loan?</span>
1217            <span class="faq-elegant-toggle" aria-hidden="true">
1218              <svg viewBox="0 0 24 24" width="14" height="14"><path d="M6 9l6 6 6-6" stroke="currentColor" stroke-width="1.8" fill="none" stroke-linecap="round" stroke-linejoin="round"></path></svg>
1219            </span>
1220          </button>
1221          <div class="faq-a"><div class="faq-a-inner">Most Mbanc bank statement programs qualify at FICO 640+ (best pricing 720+). Max LTV is tiered by FICO: 90% at 740+, 85% at 700–739, 80% at 660–699, and 75% at 640–659.</div></div>
1222        </div>
1223        <div class="faq-elegant-item">
1224          <button class="faq-q" type="button">
1225            <span class="faq-elegant-num">07.</span>
1226            <span class="faq-elegant-q">How long does the bank statement loan approval process take?</span>
1227            <span class="faq-elegant-toggle" aria-hidden="true">
1228              <svg viewBox="0 0 24 24" width="14" height="14"><path d="M6 9l6 6 6-6" stroke="currentColor" stroke-width="1.8" fill="none" stroke-linecap="round" stroke-linejoin="round"></path></svg>
1229            </span>
1230          </button>
1231          <div class="faq-a"><div class="faq-a-inner">Most Mbanc bank statement files close in 15 days. Because Mbanc is a direct lender underwriting and funding in-house, there is no broker handoff or third-party investor approval to slow the file down.</div></div>
1232        </div>
1233      </div>
1234    </div>
1235  </section>
1236
1237  <!-- ============ FINAL CTA ============ -->
1238  
1239<!-- real Google reviews -->
1240<section class="mb-testi"><div class="mb-testi-wrap"><div class="mb-testi-eyebrow">★ 4.9 · 194 Google reviews</div><h2 class="mb-testi-h2">From funded borrowers.</h2><p class="mb-testi-sub">Real, verified reviews from MBANC clients on Google.</p><div class="mb-testi-grid"><figure class="mb-testi-card"><div class="mb-testi-stars">★★★★★</div><blockquote class="mb-testi-q">My first bank statement loan since becoming self-employed, and Ray and Rhonda were excellent from start to finish. Communication could not be quicker, and they went to bat to get me to the finish line. We closed almost 3 weeks before the original closing date.</blockquote><figcaption class="mb-testi-name">Sandra<span class="mb-testi-meta">Self-employed · bank statement loan</span></figcaption></figure><figure class="mb-testi-card"><div class="mb-testi-stars">★★★★★</div><blockquote class="mb-testi-q">MBANC made the impossible happen for us. Multiple traditional lenders looked at my complex financial profile, put it in the ‘too difficult’ pile, and said no. MBANC was entirely different — Jason and Mayer used creative problem-solving and real expertise to find a path forward. Where others saw roadblocks, they said YES.</blockquote><figcaption class="mb-testi-name">M. Bennett<span class="mb-testi-meta">Local Guide · complex profile</span></figcaption></figure><figure class="mb-testi-card"><div class="mb-testi-stars">★★★★★</div><blockquote class="mb-testi-q">Found a house we loved that required an 18-day close. Jason at MBANC got it done in 13 — always on top of everything and keeping me in the loop. My realtor said Jason was one of the best lenders he's ever worked with. Best experience I've had buying a home.</blockquote><figcaption class="mb-testi-name">Scott S.<span class="mb-testi-meta">Purchase · closed in 13 days</span></figcaption></figure></div></div></section>
1241<section class="final-cta">
1242    <div class="container">
1243      <h2><span class="cta-line-1">Your Vision. Our Expertise.</span><br><em>Your Deal Is Done.</em></h2>
1244      <p class="lead">Sixty seconds. No initial credit pull. A real number from the people who underwrite the loan.</p>
1245
1246      <div class="final-cta-actions">
1247        <a class="btn btn-primary" href="#quickqual">Start the 60-Sec QuickQual™ <span class="arrow">→</span></a>
1248        <a class="btn btn-ghost-inv" href="tel:+18449181886">Call (844) 918-1886</a>
1249      </div>
1250
1251      <div class="final-cta-trust">
1252        <span><strong style="color:var(--lime);letter-spacing:0.18em">★ ★ ★ ★ ★</strong> <span style="color:var(--white);font-weight:600">4.9</span> · 194 Google reviews</span>
1253        <span><strong>$2.2B+</strong> Non-QM funded</span>
1254        <span><strong>3,000+</strong> borrowers</span>
1255        <span><strong>NMLS #38232</strong> · since 2005</span>
1256      </div>
1257    </div>
1258  </section>
1259
1260  <!-- ============ FOOTER ============ -->
1261  <footer>
1262<div class="container">
1263      <div class="footer-top">
1264        <div class="footer-brand">
1265          <div class="footer-logo">
1266            <img src="/redesign-assets/fe4b76e1-7cad-4d10-b399-b45c485d57e1.png" alt="Mbanc">
1267          </div>
1268          <p>A direct mortgage bank built for self-employed business owners, investors, and high-net-worth borrowers. Funded in-house since 2005.</p>
1269
1270          <div class="footer-socials">
1271            <a href="https://www.facebook.com/gombanc/" target="_blank" rel="noopener" aria-label="Facebook">f</a>
1272            <a href="https://www.instagram.com/gombanc/" target="_blank" rel="noopener" aria-label="Instagram">◉</a>
1273            <a href="https://x.com/gombanc" target="_blank" rel="noopener" aria-label="X">𝕏</a>
1274            <a href="https://www.tiktok.com/@gombanc" target="_blank" rel="noopener" aria-label="TikTok">♪</a>
1275            <a href="https://www.youtube.com/@MoneyMatrixPodcast" target="_blank" rel="noopener" aria-label="YouTube">▶</a>
1276            <a href="https://www.linkedin.com/company/mbanc" target="_blank" rel="noopener" aria-label="LinkedIn">in</a>
1277          </div>
1278
1279          <div class="footer-contact">
1280            <strong>New Loans</strong>
1281            <a href="tel:+18449181886">(844) 918-1886</a><br>
1282            <a href="mailto:[email protected]">[email protected]</a>
1283            <strong>Corporate</strong>
1284            <a href="mailto:[email protected]">[email protected]</a><br>
1285            Mortgage Bank of California Inc. dba Mbanc<br>
1286            Boca Raton, FL · Lending in 46 states · NMLS #38232
1287          </div>
1288        </div>
1289
1290        <div class="footer-col">
1291          <h5>Our Services</h5>
1292          <ul>
1293            <li><a href="/mortgage-solutions/non-qm-bank-statement-jumbo/">Bank Statement Jumbo</a></li>
1294            <li><a href="/1099-mortgage-loans/">1099 Jumbo</a></li>
1295            <li><a href="/mortgage-solutions/non-qm-dscr/">Rental Income Mortgage</a></li>
1296            <li><a href="/mortgage-solutions/closed-end-second-mortgage/">Closed-End Second Mortgage</a></li>
1297            <li><a href="/mortgage-solutions/asset-utilization/">Asset Utilization</a></li>
1298            <li><a href="/foreign-national-mortgage-loans/">Foreign National Mortgage</a></li>
1299            <li><a href="/mortgage-solutions/interest-only-jumbo/">Interest Only Jumbo Mortgage</a></li>
1300          </ul>
1301        </div>
1302
1303        <div class="footer-col">
1304          <h5>Company</h5>
1305          <ul>
1306            <li><a href="/about-us/">About us</a></li>
1307            <li><a href="mailto:[email protected]">Contact Us</a></li>
1308            <li><a href="/press/">Press</a></li>
1309            <li><a href="/licensing/">License</a></li>
1310            <li><a href="/blog/">Blog</a></li>
1311            <li><a href="/#quickqual">Apply now</a></li>
1312            <li><a href="/real-time-market-insights/">Market Insights</a></li>
1313            <li><a href="/#reviews">Success Stories</a></li>
1314          </ul>
1315        </div>
1316
1317        <div class="footer-col">
1318          <h5>Resources</h5>
1319          <ul>
1320            <li><a href="/#faq">FAQ</a></li>
1321            <li><a href="/#quickqual">QuickQual</a></li>
1322            <li><a href="/#process">How It Works</a></li>
1323            <li><a href="/privacy-policy/">Privacy Policy</a></li>
1324            <li><a href="/cookie-policy/">Cookie Policy</a></li>
1325            <li><a href="/terms-of-use/">Terms of Use</a></li>
1326            <li><a href="/sms-terms-conditions/">SMS Terms</a></li>
1327            <li><a href="https://www.nmlsconsumeraccess.org">NMLS Consumer Access ↗</a></li>
1328            <li><a href="/heteriska/">Heter Iska</a></li>
1329          </ul>
1330        </div>
1331      </div>
1332
1333      <div class="footer-licensing">
1334        <h5>Where Mbanc lends · Full eligibility (22 states)</h5>
1335        <div class="license-grid">
1336          <a href="/licensing/"><strong>Arizona</strong> · BK-0943170</a>
1337          <a href="/licensing/"><strong>California</strong> · 60DBO-45280</a>
1338          <a href="/licensing/"><strong>Colorado</strong> · DRE regulated</a>
1339          <a href="/licensing/"><strong>Connecticut</strong> · ML-38232</a>
1340          <a href="/licensing/"><strong>Florida</strong> · MLD1287</a>
1341          <a href="/licensing/"><strong>Georgia</strong> · 48090</a>
1342          <a href="/licensing/"><strong>Idaho</strong> · MBL-2080038232</a>
1343          <a href="/licensing/"><strong>Illinois</strong> · MB.6761396</a>
1344          <a href="/licensing/"><strong>Maryland</strong> · 38232</a>
1345          <a href="/licensing/"><strong>Michigan</strong> · FL0022526</a>
1346          <a href="/licensing/"><strong>Nevada</strong> · NMC-1202574</a>
1347          <a href="/licensing/"><strong>New Jersey</strong> · DOBI regulated</a>
1348          <a href="/licensing/"><strong>North Carolina</strong> · L-183446</a>
1349          <a href="/licensing/"><strong>Ohio</strong> · RM.804374.000</a>
1350          <a href="/licensing/"><strong>Oregon</strong> · ML-5804</a>
1351          <a href="/licensing/"><strong>Pennsylvania</strong> · 71003</a>
1352          <a href="/licensing/"><strong>South Carolina</strong> · MLS-38232</a>
1353          <a href="/licensing/"><strong>Tennessee</strong> · 38232</a>
1354          <a href="/licensing/"><strong>Texas</strong> · SML regulated</a>
1355          <a href="/licensing/"><strong>Utah</strong> · 11984635</a>
1356          <a href="/licensing/"><strong>Virginia</strong> · MC-6638</a>
1357          <a href="/licensing/"><strong>Washington</strong> · CL-38232</a>
1358        </div>
1359      </div>
1360
1361      <div class="footer-bottom">
1362        <div class="row1">
1363          <span>© <span class="tabular">2026</span> mbanc.com. All rights reserved. NMLS ID #38232 · <a href="https://www.nmlsconsumeraccess.org" style="color:var(--lime)">NMLS Consumer Access ↗</a></span>
1364          <span style="letter-spacing:0.14em;text-transform:uppercase;font-size:11px;color:var(--inv-ink-2)">Your Vision · Our Expertise · Your Deal Is Done</span>
1365        </div>
1366        <p class="disclaimer">MBANC, A MORTGAGE LENDER · MORTGAGE BANK OF CALIFORNIA INC. DBA MBANC · NMLS ID #38232. Neither mbanc nor Mortgage Bank of California Inc. is a chartered bank or trust company, or depository institution. They are not authorized to accept deposits or trust accounts and are not licensed or regulated by any state or federal banking authority. Rates and fees are subject to change. Equal Housing Lender. Loans are subject to underwriting approval. Not a commitment to lend. All borrowers must meet Mbanc's qualifying requirements as documented on the relevant program page.</p>
1367      </div>
1368    </div>
1369  </footer>
1370
1371  <!-- Floating "Talk to a Principal Banker" widget (left) -->
1372  <a href="tel:+18449181886" class="fab-banker" aria-label="Talk to a Principal Banker">
1373    <div class="fab-banker-avatar">
1374      <img src="/redesign-assets/3040004e-f81d-4592-87fd-7231d8bafa9f.png" alt="Talk to a Principal Banker">
1375    </div>
1376    <div class="fab-banker-body">
1377      <div class="fab-banker-meta">
1378        <span class="fab-banker-dot"></span>
1379        <span>LIVE</span>
1380        <span class="sep">·</span>
1381        <span>8AM–11PM ET</span>
1382        <span class="sep">·</span>
1383        <span>7 DAYS</span>
1384      </div>
1385      <div class="fab-banker-title">Talk to a Principal Banker</div>
1386    </div>
1387  </a>
1388
1389  <!-- Floating "Chat with Liora" widget (right) -->
1390  
1391
1392
1393
1394  
1394<script>
1395    // ---------- QuickQual stepper ----------
1396    (function() {
1397      const card = document.getElementById('qq-card');
1398      if (!card) return;
1399      const steps = card.querySelectorAll('.qq-step');
1400      const fill = document.getElementById('qq-fill');
1401      const counter = document.getElementById('qq-step-counter');
1402      const nextBtn = document.getElementById('qq-next');
1403      const backBtn = document.getElementById('qq-back');
1404      const footNote = document.getElementById('qq-foot-note');
1405      const tagline = card.querySelector('.qq-tagline');
1406      const totalSteps = 4;
1407      let current = 1;
1408
1409      function render() {
1410        steps.forEach(s => s.classList.toggle('active', Number(s.dataset.step) === current));
1411        const isSuccess = current === 5;
1412        const progress = isSuccess ? 100 : (current / totalSteps) * 100;
1413        fill.style.width = progress + '%';
1414
1415        if (isSuccess) {
1416          counter.textContent = 'Complete';
1417          nextBtn.style.display = 'none';
1418          backBtn.style.display = 'none';
1419          footNote.textContent = '97% pull-through · A Principal Banker is on it.';
1420          tagline.style.display = 'none';
1421          card.querySelector('.qq-foot').style.display = 'none';
1422        } else {
1423          counter.textContent = `Step ${current} / ${totalSteps}`;
1424          nextBtn.innerHTML = current === totalSteps
1425            ? 'Speak to a Banker <span class="arrow">→</span>'
1426            : 'Continue <span class="arrow">→</span>';
1427          backBtn.style.display = current === 1 ? 'none' : '';
1428        }
1429      }
1430
1431      nextBtn.addEventListener('click', () => {
1432        if (current < totalSteps) {
1433          current += 1;
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1435          current = 5;
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1437        render();
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1440        if (current > 1) { current -= 1; render(); }
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1442
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1449            opt.classList.add('active');
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1453
1454      // Range live values
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1457      const loanVal = document.getElementById('qq-loan-val');
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1467      if (pv) { updateRange(pv, pvVal); pv.addEventListener('input', () => updateRange(pv, pvVal)); }
1468
1469      // Slot select
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1471        s.addEventListener('click', () => {
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1473          s.classList.add('active');
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1476
1477      render();
1478    })();
1479
1480
1481
1482  document.querySelectorAll('.faq-q').forEach(btn => {
1483    btn.addEventListener('click', () => {
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1489      if (!isOpen) item.classList.add('open');
1490    });
1491  });
1492  </script>
1492
1493
1494
1495<!-- QuickQual lead-capture wiring (ports homepage mbanc-patch.js submission+tracking) -->
1496<!-- duplicate inline QuickQual submitter removed 2026-09-03: mbanc-patch-11.js is the single submitter -->
1497
1498<!-- Liora chat widget (GHL Conversation AI) -->
1499<button class="fab-chat" aria-label="Chat with Liora, MBANC AI assistant"><span class="badge">L</span><span class="live-dot"></span><span>Chat with <strong>Liora</strong></span></button>
1500<script>
1501/* Liora chat widget — ports the homepage mbanc-patch.js GHL Conversation AI widget
1502   to the redesigned pages: loads the GHL chat widget, hides its native bubble, and
1503   uses the page's own .fab-chat button as the visible trigger. */
1504(function () {
1505  var GHL_CHAT_WIDGET_ID = '6a1612e4b2d4c061bc467ecc';
1506  function loadWidget() {
1507    if (document.querySelector('script[src*="leadconnectorhq.com/loader.js"]')) return;
1508    var s = document.createElement('script');
1509    s.src = 'https://beta.leadconnectorhq.com/loader.js';
1510    s.setAttribute('data-resources-url', 'https://beta.leadconnectorhq.com/chat-widget/loader.js');
1511    s.setAttribute('data-widget-id', GHL_CHAT_WIDGET_ID);
1512    s.async = true;
1513    document.head.appendChild(s);
1514    var n = 0, iv = setInterval(function () {
1515      var cw = document.querySelector('chat-widget');
1516      if (cw && cw.shadowRoot) {
1517        var sr = cw.shadowRoot;
1518        if (!sr.querySelector('#mbanc-hide-bubble')) {
1519          var st = document.createElement('style');
1520          st.id = 'mbanc-hide-bubble';
1521          st.textContent = '.lc_text-widget--bubble{position:fixed !important;top:-9999px !important;left:-9999px !important;opacity:0 !important;}.lc_text-widget_prompt{display:none !important;}#lc_text-widget--box{pointer-events:auto !important;}';
1522          sr.appendChild(st);
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1524        clearInterval(iv);
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1526      if (++n > 50) clearInterval(iv);
1527    }, 100);
1528  }
1529  function openChat() {
1530    var cw = document.querySelector('chat-widget');
1531    if (cw && cw.shadowRoot) {
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1536        b.click();
1537        setTimeout(function () { b.setAttribute('style', saved); }, 50);
1538        return true;
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1541    return false;
1542  }
1543  function wire() {
1544    var btn = document.querySelector('.fab-chat');
1545    if (!btn) return;
1546    loadWidget();
1547    btn.addEventListener('click', function (e) { e.preventDefault(); openChat(); });
1548  }
1549  if (document.readyState === 'loading') document.addEventListener('DOMContentLoaded', wire);
1550  else wire();
1551})();
1552
1553</script>
vendor: 1 bytes, line 1553
1553
1554<script>
1555/* Get Qualified -> scroll to + spotlight the QuickQual form (ports homepage behavior) */
1556(function(){
1557  var card=document.getElementById('qq-card');
1558  if(!card)return;
1559  function spotlight(){card.classList.remove('qq-highlight');void card.offsetWidth;card.classList.add('qq-highlight');card.addEventListener('animationend',function h(){card.classList.remove('qq-highlight');card.removeEventListener('animationend',h);});}
1560  document.addEventListener('click',function(e){
1561    var link=e.target.closest('a[href="#quickqual"],a[href="/#quickqual"],a[href="#qq-card"]');
1562    if(!link)return;
1563    e.preventDefault();
1564    card.scrollIntoView({behavior:'smooth',block:'center'});
1565    setTimeout(spotlight,700);
1566  });
1567  if(location.hash==='#quickqual'||location.hash==='#qq-card'){setTimeout(function(){card.scrollIntoView({behavior:'smooth',block:'center'});setTimeout(spotlight,700);},800);}
1568})();
1569</script>
1569
1570  
1570<script src="/mbanc-patch-12.js?v=qq19"></script>
1570
1571</body></html>

Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.