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Loan Program

Bank Statement Mortgage Loans

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Who is this loan right for?

Bank Statement Mortgage Loans are suited for self‑employed borrowers who want to qualify based on cash flow shown in bank statements rather than traditional tax returns.

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Mortgage Loan

Benefits of this loan program

  • Uses deposits in business or personal accounts to calculate income.
  • Ideal for professionals with write‑offs that reduce taxable income.
  • Offers a path for self‑employed borrowers to secure financing.

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General eligibility requirements

  • Minimum bank statement history (often 12–24 months).
  • Acceptable credit (varies by lender).
  • Consistent cash flow documented in statements.
  • Down payment and reserves typically required.

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Get started by using one of our FREE tools!

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!

Conventional

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FHA

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VA

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Jumbo

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Renovation

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USDA

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DSCR Investor Loans

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Commercial

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Non QM

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Reverse

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Divorce Lending

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1099

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P&L

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Bank Statement

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Self‑Employed

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Foreign National

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Asset Depletion

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Asset Utilization

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