LOAN OPTIONS
BANK STATEMENT LOANS
Designed specifically for self-employed borrowers and business owners to qualify using cash flow instead of traditional tax returns.
IS A BANK STATEMENT LOAN RIGHT FOR YOU?
If you are self-employed, a freelancer, or a small business owner with complex tax write-offs, traditional income verification can be a hurdle. A bank statement loan is an alternative solution that uses your actual business or personal deposits to prove your ability to repay, rather than relying on W-2s or tax documents.
BENEFITS OF A BANK STATEMENT LOAN
- No Tax Returns Required: Qualify without providing W-2s or tax documents that may not reflect your true spending power due to heavy business write-offs.
- Flexible Income Verification: Use 12 to 24 months of personal or business bank statements to calculate your qualifying income.
- Versatile Options: Use this flexible program to buy a new primary residence, refinance your current mortgage, or access cash out.
BANK STATEMENT LOAN ELIGIBILITY REQUIREMENTS
- Proof of self-employment for at least two years
- 12 to 24 months of consecutive personal or business bank statements
- A good credit score (typically 660 or higher)
- Sufficient liquid reserves (often 3 to 6 months of mortgage payments)
MORTGAGE TOOLS
Your Mortgage Options,
Made Clear.
No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best deal possible!
Jumbo
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Refinance & Cash-Out
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Bank Statement Loans
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DSCR Loans
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FREE TOOLS
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