Bank Statement Loan for Self-Employed
A bank statement loan program for self-employed borrowers that requires no tax returns and allows for qualifying income based on gross receipts or business deposits.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- 80%
- Max LTV (cash-out)
- -
- Loan amount
- -
- Documentation
- alt-doc
- States
- most states
Highlights
- •Only 2 months bank statements needed if taxes filed
- •6 months bank statements if using gross receipts
- •No tax returns required
- •Standard 50% expense factor or as low as 10% with CPA letter
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 5/10/2026. 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.