What Do I Need to Qualify?
Bank statement loan requirements vary by lender, but lenders will typically review:

• Your personal or business bank statements for the past 12 to 24 months
• Your self-employment history
• The consistency and source of your deposits
• Your credit history and credit scores
• Your current monthly debts
• Your down payment or available equity
• Your funds for closing and financial reserves
• The property type and intended occupancy

Many programs require at least 10% to 20% down, although requirements vary based on credit, loan amount, property type, and the strength of the overall application.

Why Work With Me?

Unlike many lenders that only offer one bank statement program, I compare loan options from multiple wholesale lenders to help you find the right solution.

• Personal or business bank statements
• Purchase, refinance, and cash-out options
• Options using as few as 3, 12, or 24 months of statements
• Primary, second home, and investment property financing
• Loan amounts from conforming to jumbo
• Available for LLCs, S Corps, Partnerships, and Sole Proprietors
• Personalized guidance from application through closing

Traditional mortgages often rely on tax returns to calculate income, which can make qualifying difficult for many self-employed borrowers.

A Bank Statement Loan uses your eligible bank deposits instead, making it possible to qualify based on the cash flow of your business rather than taxable income.

These loans can be an excellent option for self employed, business owners, freelancers, independent contractors, consultants, and commission-based professionals.