Bank Statement Loan for Self-Employed
A bank statement loan program designed for self-employed borrowers, now featuring a minimum FICO score requirement of 660.
Underwriting at a glance
- Minimum FICO
- 660+
- Max LTV (purchase / rate-term)
- -
- Max LTV (cash-out)
- -
- Loan amount
- -
- Documentation
- alt-doc
- States
- most states
Highlights
- •Minimum FICO score of 660
- •Flexible underwriting for self-employed borrowers
- •Additional sources of income permitted
- •Pre-submission bank statement analysis to confirm borrower eligibility
- •Minimal documentation requirements for faster processing and closing
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 5/15/2026. 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.