Bank Statement Loan for Self-Employed
A bank statement loan program for self-employed borrowers that allows qualification using 12 months of personal or business bank statements, or a combination of P&L and bank statements.
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, p-and-l
- States
- most states
Highlights
- •Up to 90% LTV purchase to $1.5M
- •Use 100% of deposits on personal statements
- •Use up to 85% of deposits on business statements
- •Couple with asset utilization for extra income
- •Transfers from business to personal accounts allowed
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 5/20/2026. 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.