Bank Statement Loan for Self-Employed
A non-QM jumbo loan program for self-employed borrowers that uses business bank statements to qualify, allowing for the use of a CPA letter to adjust expense ratios.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- 80%
- Max LTV (cash-out)
- -
- Loan amount
- -
- Documentation
- 12mo-bank-stmt, 24mo-bank-stmt
- States
- most states
Highlights
- •CPA letter used to lower expense ratio
- •20% down payment requirement
- •Designed for self-employed borrowers with complex income
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
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.