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)
- 80%
- Loan amount
- -
- Documentation
- 12mo-bank-stmt, 3mo-bank-stmt
- States
- most states
Highlights
- •1 year self-employed OK
- •Up to 90% LTV
- •12 month bank statements
- •Business or personal statements accepted
- •1 year self-employed allowed
- •All gift funds allowed for down payment
- •Cash out as reserves allowed
- •Up to 90% LTV with 3 or 12 month bank statements
- •All gift down payment allowed on bank statement loans
- •80% LTV cash-out available
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 8/6/2026. 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.