Bank Statement Loan for Self-Employed
A non-QM program for self-employed borrowers that utilizes CPA-verified gross receipts and bank statements to qualify, requiring as little as 3 months of statements.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- -
- Max LTV (cash-out)
- -
- Loan amount
- -
- Documentation
- p-and-l, alt-doc
- States
- most states
Highlights
- •Qualify with as little as 3 months of bank statements
- •Utilizes CPA-verified gross receipts for income calculation
- •Allows combining multiple income streams
- •Flexible structuring with co-borrowers
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 5/10/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
6.125%
6.164% APR
FHA
5.500%
5.531% APR
VA
5.500%
5.530% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.