Bank Statement Loan for Self-Employed
A non-QM bank statement loan for self-employed borrowers requiring only 12 months of bank statements to qualify, with no tax returns needed.
Underwriting at a glance
- Minimum FICO
- 660+
- Max LTV (purchase / rate-term)
- 80%
- Max LTV (cash-out)
- -
- Loan amount
- ? - $4,000,000
- Documentation
- 12mo-bank-stmt
- States
- most states
Highlights
- •Only 12 months of bank statements required
- •Minimum 1 year self-employment history allowed
- •No tax returns required
- •1x30x12 mortgage history allowed
- •Loan amounts up to $4 million
- •Qualify with 12 months of bank statements
- •Minimum 1 year of self-employment
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 7/11/2026. 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.