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Mortgage Loan
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Our Program Highlights

Perfect for business owners and freelancers who need flexible income documentation options.

  • Loan Amounts: from $200k up to $10M
  • Geography: Nationwide in ALL 50 States
  • Property Types: Residential, Commercial
  • Occupancy: Primary Residence, Second Home, Investment Property, no operating history required on STRs
  • LTVs: Up to 90% (Acquisitions/Rate-Term Refi), 80% (Cash-Out)
  • DTI: 50-55%
  • Credit Score: 660 minimum
Start My Approval

Do You Qualify for this Loan?

Here is what you need in order to qualify for this product. Even if you don’t meet all of these criteria, don’t hesitate to reach out to see how we can help.

Credit

You’ll need a 660 score or better to qualify, with flexibility for strong financials.

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Down Payments

Down payments start at 10%, depending on credit and loan amount.

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Closing Costs

You’ll need around 1-3% of the amount you’re financing for closing costs.

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Debt

Less than 55% of your income should be going to pay debt.

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Frequently Asked
Questions

Answers to questions about this loan we heard
from people like you during research.

What is a Bank Statement Only Mortgage?

A Bank Statement Only Mortgage allows self-employed borrowers to qualify for a mortgage using bank statements to verify income instead of traditional tax returns or W-2 forms. It's ideal for business owners and entrepreneurs whose tax returns might not fully reflect their actual income.

What do I need preapproval for a Bank Statement loan?

For a bank statement loan, here is what you will need to provide:

  • Minimum of 12 months business or personal bank statements
  • Minimum of 1 year of Profit and Loss Statement Balance
  • Minimum of 1 year 1099

Also required:

  • 2 months personal asset statements
  • Drivers license
  • CPA letter to attest to your ownership
Who qualifies for a Bank Statement Mortgage?

Typically, self-employed individuals, freelancers, entrepreneurs, or small business owners who can provide 12 to 24 months of bank statements demonstrating consistent income qualify for this type of loan.

How many months of bank statements do I need?

Most programs require between 12 to 24 months of bank statements to verify your income. The exact number may vary based on the lender, loan amount, and your overall financial profile.

Available states
Coming soon

All 50 States, Covered.

Our loan officers are licensed in all 50 states, so no matter where you are - we have you covered.

See Our Recent Fundings

We’ve helped hundreds of clients get the funding they need to purchase their next property. You could be next.

No Income Verification
Kirkland, WA
Loan Amount:
$792,000
Purpose:
Purchase
Purchase Price:
$990,000
Down Payment:
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Bank Statement
Key West, FL
Loan Amount:
$3,500,000
Purpose:
Purchase
Purchase Price:
$5,000,000
Down Payment:
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Bank Statement
Brigantine, NJ
Loan Amount:
$2,135,000
Purpose:
Purchase
Purchase Price:
$3,050,000
Down Payment:
This is some text inside of a div block.

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