Bank Statement Loan for Self-Employed
A bank statement loan program for self-employed borrowers using 12 or 24 months of personal or business bank statements to qualify.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- -
- Max LTV (cash-out)
- -
- Loan amount
- -
- Documentation
- 12mo-bank-stmt, 24mo-bank-stmt
- States
- most states
Highlights
- •Use up to 100% of deposits on Personal Bank Statements
- •Use up to 90% of deposits on Business Bank Statements
- •Use up to 90% of deposits on business bank statements
- •Use up to 100% of deposits on personal 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 7/7/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
6.125%
6.164% APR
FHA
5.500%
5.531% APR
VA
5.500%
5.530% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.