Bank Statement Loan for Self-Employed
Bank statement loan program for self-employed borrowers featuring flexible expense factors and no requirement for a CPA letter.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- -
- Max LTV (cash-out)
- -
- Loan amount
- ? - $3,500,000
- Documentation
- alt-doc, 12mo-bank-stmt, 24mo-bank-stmt
- States
- most states
Highlights
- •Flexible expense factors
- •No CPA letter required
- •Qualify using 12 or 24 months of personal or business bank statements
- •Expense factors down to 0%
- •Designed for entrepreneurs, freelancers, consultants, and small business owners
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 5/14/2026. 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.