Skip to content

Bank Statement

Bank Statement Loans for Self-Employed Borrowers

Bank statement mortgage loans for self-employed borrowers. Qualify with 12 or 24 months of personal or business statements instead of tax returns. Up to 90% LTV.

Bank Statement Loans

Self-employed? Your deposits tell the real story.

Qualify using 12 or 24 months of personal or business bank statements instead of tax returns. We calculate income from actual deposits — so aggressive write-offs don’t stop you from buying.

Max LTV

90%

Min FICO

620

Loan Size

Up to $3M

Statements

12 or 24 mo

Program terms

Loan amounts
$150,000 – $3,000,000
Purchase LTV
Up to 90%
Cash-out LTV
Up to 80%
Terms
30-yr fixed, 40-yr IO, 7/6 ARM
Occupancy
Primary, second home, investment
Income docs
Bank statements, P&L-only, or 1099-only
Expense factor
Fixed 50% or CPA/third-party letter
Property types
SFR, 2–4 units, condos, PUDs

Qualifications

  • 2 years of self-employment (same line of work)
  • Minimum 620 FICO
  • 12 or 24 consecutive months of statements
  • Business verified via CPA letter, license, or filings
  • Reserves: 3–12 months depending on loan size
  • Debt-to-income up to 50%

FAQ

Bank Statement Loans: common questions

Other programs

Explore more financing options

DSCR LoansQualify on the property’s rent — not your tax returns. Cash-Out RefinanceTurn rental equity into your next down payment. Home Equity Investment (HEI)Cash from your home equity — with no monthly payment. Commercial & MultifamilyFinancing for 5+ units, mixed-use and commercial assets.

Illustrative program parameters. Actual terms depend on credit, property, and market conditions and are subject to change.

Ready to put your equity to work?

Get a no-obligation quote in 24 hours. Soft credit pull only — no impact to your score.

Get Pre-Approved Email us