Bank Statement Loan for Self-Employed
Jumbo loan program offering bank statement income qualification for primary, second, and investment properties with LTVs up to 85%.
Underwriting at a glance
- Minimum FICO
- 680+
- Max LTV (purchase / rate-term)
- 85%
- Max LTV (cash-out)
- -
- Loan amount
- ? - $3,000,000
- Documentation
- 12mo-bank-stmt, 24mo-bank-stmt, full-doc
- States
- most states
Highlights
- •Personal and business bank statements for income
- •Up to 85% LTV
- •2:1 and 1:0 temporary buydowns available on 30-year terms
- •Full doc options available
- •Bank statement income qualification available
- •Full doc option available
- •Available for primary, second, and investment properties
- •Uses personal and business bank statements for 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 5/11/2026. 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.