Bank Statement Loans
for Self-Employed Borrowers

12-Month Bank Statement Loan Program


Our 12-Month Bank Statement Loan Program is designed for self-employed individuals and small business owners who may not qualify for traditional mortgage loans due to the nature of their income documentation. This innovative program allows you to use your personal or business bank statements from the past 12 months as evidence of income, offering a flexible alternative to conventional loan qualification methods. 

Key Features:

Income Verification: Utilize 12 months of personal or business bank statements to demonstrate income instead of traditional W-2s or tax returns.

Loan Purpose: Available for purchasing a new home or refinancing an existing mortgage, including cash-out options.

Flexible Rates: Competitive interest rates comparable to conventional loans.

Loan Amounts: High loan limits to accommodate a wide range of financing needs. 

Property Types: Eligible for a variety of property types, including single-family residences, condos, and multi-unit properties. 


Simplified Process: Streamlined application process focusing on bank statements for income verification.

Greater Accessibility: Designed for borrowers with non-traditional income sources, providing a path to homeownership or refinancing.

Quick Approvals: Fast processing and underwriting times, helping you close your loan efficiently.

Customizable Options: Tailored loan solutions to fit your unique financial situation and goals.

Eligibility Criteria: 

  • - Self-employed or small business owner for at least two years.
  • - Minimum credit score requirements apply (specific score may vary).
  • - Sufficient liquidity and assets to cover down payment, closing costs, and reserves.
    - The property must be located in the United States.

How It Works:

 1. Application Submission: Start by completing a loan application and providing 12 months of personal or business bank statements.
2. Income Calculation: Our team will review your bank statements to calculate your monthly income based on consistent deposits. 
3. Loan Customization: Work with our loan specialists to choose the best loan structure and terms based on your financial profile.
4. Underwriting and Approval: Your loan will undergo a thorough underwriting process to ensure it meets all necessary guidelines and criteria. 
5. Closing: Once approved, we will coordinate the closing process, making it as smooth and straightforward as possible. 

Why Choose Our 12-Month Bank Statement Loan Program?

 This program is ideal for those who have a strong financial foundation but lack the traditional forms of income documentation required by other lenders. By focusing on your actual cash flow through bank statements, we offer a realistic and practical approach to mortgage lending that recognizes the unique challenges faced by self-employed individuals and entrepreneurs.

Ready to Apply?

 If you're interested in the 12-Month Bank Statement Loan Program or have further questions, contact our loan specialists today. We're here to guide you through every step of the process, ensuring you find the right mortgage solution to meet your needs.

Disclaimer: Loan approval is subject to credit review and underwriting criteria. Terms and conditions apply. Rates and terms are subject to change based on market conditions and borrower eligibility. Please contact us for the most current information and to discuss your specific needs.