Bank Statement Loan for Self-Employed
Bank statement loan program for self-employed borrowers allowing up to 90% LTV with 12-month bank statement documentation.
Underwriting at a glance
- Minimum FICO
- 600+
- Max LTV (purchase / rate-term)
- 90%
- Max LTV (cash-out)
- 80%
- Loan amount
- ? - $4,000,000
- Documentation
- 12mo-bank-stmt, 3mo-bank-stmt, alt-doc
- States
- most states
Highlights
- •Up to 90% LTV
- •1 year self-employed OK
- •No cash-out seasoning required
- •2-1 buydown OK
- •100% gift funds allowed
- •Bank statement qualification up to 90% LTV
- •3 and 12 month bank statement options available
- •1 year self-employed allowed
- •All gift funds allowed for down payment
- •Cash out as reserves allowed
- •3 and 12 month bank statement options
- •1 year self-employed history accepted
- •Same day income calculations provided
- •2-1 buydown eligible
- •Up to 90% LTV using bank statements
- •Up to 90% LTV on bank statements
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 9/3/2026. 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.