Bank Statement Loan for Self-Employed
Bank statement loan program for self-employed borrowers using 12 months of personal or business bank statements to qualify.
Underwriting at a glance
- Minimum FICO
- 600+
- Max LTV (purchase / rate-term)
- 90%
- Max LTV (cash-out)
- -
- Loan amount
- -
- Documentation
- 12mo-bank-stmt
- States
- most states
Highlights
- •1 year self-employed OK
- •Up to 90% LTV
- •12 month bank statements
- •Business or personal statements accepted
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
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.