Bank Statement Loan for Self-Employed
Non-QM loan program for self-employed borrowers that uses 12 or 24 months of bank statements to verify income instead of traditional tax returns.
Underwriting at a glance
- Minimum FICO
- 620+
- Max LTV (purchase / rate-term)
- 90%
- Max LTV (cash-out)
- 80%
- Loan amount
- ? - $3,000,000
- Documentation
- 12mo-bank-stmt, 24mo-bank-stmt
- States
- most states
Highlights
- •Integrated bank statement review portal
- •Expert income calculation provided by lender
- •No tax returns or 4506-C required
- •Co-mingled funds allowed
- •Multiple businesses allowed
- •Expense factor as low as 15% without CPA letter
- •Assets can be added to increase qualifying income
- •Comingled funds and multiple businesses allowed
- •Fast bank statement calculation turnaround
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 7/10/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
6.250%
6.288% APR
FHA
5.750%
5.780% APR
VA
5.750%
5.780% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.