Bank Statement Loan for Self-Employed
A 30-year fixed standalone second lien mortgage for primary residences using 24-month bank statements for income qualification, with up to 70% CLTV.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- 70%
- Max LTV (cash-out)
- 70%
- Loan amount
- -
- Documentation
- 24mo-bank-stmt
- States
- most states
Highlights
- •30-year fixed rate term
- •24-month bank statement income qualification
- •Standalone second lien structure
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 5/18/2026. 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.