Bank Statement Loan for Self-Employed
A 40-year fully amortized loan program available for various documentation types including full doc, alternative income documentation, and DSCR options.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- -
- Max LTV (cash-out)
- -
- Loan amount
- -
- Documentation
- full-doc, 12mo-bank-stmt, 24mo-bank-stmt, 1099-only, asset-depletion, p-and-l, wvoe, dscr-only
- States
- most states
Highlights
- •40 year fully amortized loan term
- •480 month amortization schedule
- •40-year fully amortized loan term
- •480-month amortization schedule
- •Available for purchase, refinance, and cash-out transactions
Want to see if you qualify?
Tell us about your scenario - we'll come back with current pricing and exact guidelines.
Program guidelines and rates can change at any time without notice. Last confirmed 7/3/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
6.125%
6.164% APR
FHA
5.500%
5.531% APR
VA
5.500%
5.530% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.