Bank Statement Loans
Designed for self-employed borrowers who want a flexible path to financing using 12 to 24 months of personal or business bank statements instead of traditional tax returns.
Program Overview
A smart financing solution for self-employed borrowers whose tax returns may not fully reflect their income. This program allows qualified borrowers to use bank statements for income documentation while offering flexible 30-year and 40-year loan options.
Program Features
Qualify using 12 to 24 months of personal or business bank statements instead of traditional tax returns.
30-year fixed options are available for eligible borrowers.
40-year options are also available for added payment flexibility.
Select 40-year interest-only options are available on certain products.
Program options start at 620 FICO, depending on product tier.
Maximum LTV can reach up to 90% on qualifying scenarios.
Why Choose This Program?
Built specifically for self-employed borrowers with non-traditional income documentation.
Helps borrowers qualify using real cash flow shown through bank statements.
A strong solution when tax returns do not accurately reflect earning power.
Offers flexible loan structures with both 30-year and 40-year terms.
Interest-only options may help create lower initial monthly payments on select products.
Designed to give business owners, freelancers, and entrepreneurs more financing flexibility.
Who This Program Is Great For?
Self-employed borrowers whose tax returns may not show their full qualifying income.
Business owners with consistent personal or business bank deposits.
Freelancers, consultants, and entrepreneurs seeking flexible documentation options.
Borrowers who want 30-year or 40-year financing options.
Clients interested in interest-only options on select 40-year products.
Borrowers looking for a more practical alternative to traditional tax-return-based qualification.
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