Bank Statement Loan for Self-Employed
A non-QM loan program utilizing 12-month business bank statements for income qualification, allowing for the inclusion of non-occupant co-borrowers to assist with loan eligibility.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- -
- Max LTV (cash-out)
- -
- Loan amount
- -
- Documentation
- 12mo-bank-stmt
- States
- most states
Highlights
- •Allows non-occupant co-borrowers to assist with qualification
- •Uses non-occupant co-borrower credit score for qualification
- •12-month business bank statement income documentation
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 5/20/2026. 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.