Bank Statement Loan for Self-Employed
Non-QM loan program offering competitive pricing with a special 100 BPS incentive for loans locked between March 10, 2026, and March 20, 2026.
Underwriting at a glance
- Minimum FICO
- 500+
- Max LTV (purchase / rate-term)
- 90%
- Max LTV (cash-out)
- 80%
- Loan amount
- ? - $4,000,000
- Documentation
- 12mo-bank-stmt, 24mo-bank-stmt, alt-doc, p-and-l, itin
- States
- AZ, CA, GA, IL, MA, MO, RI, NJ, VA, AK, AL, AR, CO, CT, DC, DE, FL, HI, IA, ID, IN, KS, KY, LA, MD, ME, MI, MN, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, WA, WI, WV, WY
Highlights
- •Up to 100 BPS special pricing incentive
- •Valid for locks between 3/10/2026 and 3/20/2026
- •Up to 100 BPS special pricing on new locks
- •Loan amounts up to $4M
- •90% LTV up to $2M
- •85% LTV up to $2.5M
- •90% LTV Bank Statements
- •80% CLTV Cash Out
- •Loan amounts up to $6M
- •Min FICO 500 on Non-QM
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 9/14/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
6.750%
6.789% APR
FHA
6.250%
6.282% APR
VA
6.250%
6.281% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.