Bank Statement Loan for Self-Employed
A non-QM loan program for self-employed borrowers that uses 12 months of bank statements to qualify for income, requiring no tax returns.
Underwriting at a glance
- Minimum FICO
- 660+
- Max LTV (purchase / rate-term)
- 80%
- Max LTV (cash-out)
- -
- Loan amount
- ? - $4,000,000
- Documentation
- 12mo-bank-stmt
- States
- most states
Highlights
- •Qualify with 12 months of bank statements
- •Minimum 1 year self-employment
- •No tax returns required
- •1x30x12 mortgage history allowed
- •Must be in same line of work or industry
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 5/16/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
5.875%
5.906% APR
FHA
5.375%
5.405% APR
VA
5.375%
5.402% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.