Bank Statement Loans
Bank Statement Loans
Bank Statement Loans are designed for self-employed borrowers who cannot qualify using traditional income documentation. Instead of W-2s or tax returns, you qualify based on your actual cash flow — using 12 or 24 months of personal or business bank statements. This is one of the most powerful tools available for business owners and entrepreneurs who want to purchase or refinance a home.
Program Highlights
12 or 24 Month Statements
Use personal or business bank statements — no tax returns required.
Self-Employed Friendly
Ideal for business owners, freelancers, and 1099 contractors whose tax returns understate income.
Loan Amounts Up to $3M+
Finance primary residences, second homes, and investment properties.
Flexible Credit Requirements
Minimum credit scores typically starting at 620 depending on LTV.
Interest-Only Options
Reduce monthly payments with interest-only payment structures available.
Fast Closings
Streamlined underwriting process designed for self-employed borrowers.
How It Works
Provide Bank Statements
Submit 12 or 24 months of personal or business bank statements in lieu of tax returns.
Income Calculation
A percentage of your average monthly deposits is used to determine qualifying income — typically 50% for business accounts, 100% for personal.
Qualification & Approval
Your loan is underwritten based on your bank statement income, credit profile, and property value.
Close Your Loan
Receive your funds and close on your home or investment property.
Who Is This For?
- Self-employed business owners
- Sole proprietors and LLC owners
- Freelancers and independent contractors
- 1099 workers and gig economy professionals
- Real estate investors
- Borrowers with significant write-offs on tax returns
Ready to Get Started?
Don't let traditional income documentation hold you back. Contact us today to see if a Bank Statement Loan is right for you.
Ready to Get Started?
Let our family help yours. Call us at 561-207-8082 or apply online today.