A Bank Statement Loan is designed for self-employed borrowers, business owners, independent contractors, and anyone who doesn’t show enough income on tax returns to qualify for a traditional mortgage. Instead of using W-2s or tax returns, you can qualify based on your monthly bank statement deposits, giving you more flexibility and a realistic picture of your true income.
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No tax returns required – Qualify using deposits from your personal or business bank statements.
Flexible income calculation – Lenders use 12 or 24 months of statements to determine average monthly income.
Higher approval rates for self-employed borrowers – Perfect for entrepreneurs, contractors, and gig-economy earners.
Purchase or refinance options – Ideal for buying a home, cash-out refinancing, or lowering your payment.
More realistic income representation – Approvals based on what you actually earn—not what you write off.
Fast, simplified process – Less paperwork and no traditional income verification needed.
30 Year Term
650 minimum credit score
Up to 90% LTV, 85% Cash-Out
$100k-$4M
Primary, Second Home, Investment
Single family residence, 2-4 units, condominiums
Purchase, refinance, or cash-out options available
You don’t need to be a professional investor to qualify for our loans. We don’t require Tax Returns and we accept credit scores as low as 660.
Get underwriter approval in 48 hours and your deal funded in 15 days.
We offer some of the highest loan to values in the industry. We’ll even fund 100% of your rehab costs!
Closings within 15 business days. Don't waste another day. Call a loan guy now!
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