Bank Statement Loan for Self-Employed
A bank statement loan program for self-employed borrowers offering up to 90% LTV, loan amounts up to $4M, and a minimum FICO score of 620.
Underwriting at a glance
- Minimum FICO
- 620+
- Max LTV (purchase / rate-term)
- 90%
- Max LTV (cash-out)
- -
- Loan amount
- ? - $4,000,000
- Documentation
- 12mo-bank-stmt
- States
- most states
Highlights
- •No expense factor with P&L letter
- •Transferred appraisals allowed
- •100% gift funds allowed
- •1 year Chapter 7 bankruptcy seasoning
- •Interest only available
- •90% LTV for condos
- •Cash out can be used for reserves
- •Up to 90% LTV with 680 FICO
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 5/17/2026. 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.