Bank Statement Loan
Our Bank Statement Loan is designed for self-employed borrowers and freelancers. Simplify the mortgage process by using your bank statement deposits to verify income, making it easier for you to secure a competitive home loan without traditional income documents.
Get a quoteLoan benefits
- Use bank statements instead of W-2s or tax returns to prove your income for flexible income verification.
- Ideal for entrepreneurs and freelancers who need alternative methods to show income, tailored for self-employed individuals.
- Potentially qualify for a larger loan amount based on comprehensive income analysis, offering higher qualification potential.
- Less paperwork speeds up the application process, getting you to closing faster with faster processing times.
- Access attractive rates that reflect your true financial stability with competitive interest rates.
- Choose from a variety of loan terms that fit your long-term financial goals, offering diverse term options.
- Benefit from personalized guidance from experts who understand self-employment with a dedicated loan advisor.
Eligibility requirements
- Must have been in business for at least two years.
- Provide recent 12-24 months of bank statements from either personal or business accounts.
- Typically requires a credit score of 620 or higher.
- Flexible debt-to-income ratio requirements, even up to 50%.
- Demonstration of sufficient liquid assets to cover several months of mortgage payments is required.
- Eligible for primary, secondary, and investment properties.
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