Bank Statement loans are alternative mortgage solutions designed for self-employed borrowers, and business owners whose tax returns don’t accurately reflect their true income. Instead of relying on W-2s or tax returns, these loans use personal or business bank statements to determine qualifying income.
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No tax returns required – Qualify using deposits from your personal or business bank statements.
Flexible income calculation – 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
620 minimum credit score
Up to 90% LTV, 80% 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 640.
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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