Bank Statement Loans

Bank Statement Loans

Bank Statement Loans Qualify with Bank Statements, Not Tax Returns

What Are Bank Statement Loans?

Income Calculation Example

Who Benefits from Bank Statement Loans?

Bank Statement Loan Requirements

Credit Requirements

Bank Statement Requirements

Loan Terms

Program Options

Personal Bank Statements

Business Bank Statements

Benefits of Bank Statement Loans

Frequently Asked Questions

Ready to Get Started?

LOAN PROGRAMS

Perfect for self-employed borrowers, business owners, and 1099 contractors who have strong cash flow but write off significant expenses on their tax returns. Use your bank deposits to qualify for the home you deserve.

Bank statement loans are non-QM mortgages designed for self-employed borrowers, business owners, and independent contractors who have difficulty qualifying for traditional loans due to tax write-offs. Instead of using tax returns to verify income, lenders review 12-24 months of bank statements to calculate your qualifying income based on actual deposits.

These specialized loans are designed for borrowers with non-traditional income documentation.

Flexible qualification guidelines designed for borrowers with strong cash flow.

Higher scores unlock better rates and higher LTV options

Business accounts may use higher expense factors

Choose the bank statement program that fits your situation.

For 1099 contractors & gig workers

For LLCs, S-Corps, & partnerships

Why self-employed borrowers choose this financing solution.

Common questions about bank statement loans

Don't let tax write-offs stop you from qualifying for the home you deserve.

| . All loan programs, rates, terms, and conditions are subject to change without notice. Not all loan programs are available in all states. Other restrictions and limitations may apply. This is not a commitment to lend or extend credit. All loans are subject to credit approval. Equal Housing Opportunity.

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