Bank Statement Loan for Self-Employed
A fixed-rate second lien program for primary residences using 12 or 24 months of bank statements for income qualification, with credit scores from 680.
Underwriting at a glance
- Minimum FICO
- 680+
- Max LTV (purchase / rate-term)
- 80%
- Max LTV (cash-out)
- -
- Loan amount
- $150,000 - $500,000
- Documentation
- 12mo-bank-stmt, 24mo-bank-stmt
- States
- most states
Highlights
- •12 or 24-month bank statement income qualification
- •AVM appraisal options available in some scenarios
- •Maximum 45% DTI
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 5/13/2026. 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.