Bank Statement Loan for Self-Employed
A 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
- -
- Max LTV (purchase / rate-term)
- 90%
- Max LTV (cash-out)
- -
- Loan amount
- $150,000 - $4,000,000
- Documentation
- 12mo-bank-stmt
- States
- most states
Highlights
- •Transferred appraisals accepted
- •Non-occupant co-borrowers allowed
- •Cash-out can be used for reserves
- •100% gift funds 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 5/16/2026. 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.