Bank Statement Loan for Self-Employed
Flexible income qualification options including bank statements, 1099s, and tax returns for primary residences, second homes, and investment properties with loan amounts up to $3.5M.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- 90%
- Max LTV (cash-out)
- -
- Loan amount
- ? - $3,500,000
- Documentation
- 12mo-bank-stmt, 24mo-bank-stmt, 1099-only, full-doc
- States
- most states
Highlights
- •Qualify with tax returns, bank statements, or 1099
- •New condo projects allowed
- •Non-warrantable condos eligible
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
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.