Bank Statement Program
Home financing designed for self-employed borrowers using bank statements instead of tax returns.
Traditional mortgage programs often fall short for self-employed borrowers whose tax returns don’t fully reflect their earning power. The Bank Statement Program Loan was designed to solve this problem by allowing lenders to evaluate income based on real cash flow rather than taxable income alone. Instead of W-2s or tax returns, lenders review 12 to 24 months of personal or business bank statements to determine consistent deposits and overall income stability. This approach gives business owners, entrepreneurs, and independent contractors a more accurate opportunity to qualify for a home purchase or refinance. By focusing on how you actually earn and manage money, this loan creates a clearer and more realistic path to financing.
Key Features
- Qualify using personal or business bank statements
- No tax returns or W-2s required
- Income based on actual deposits and cash flow
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Where is the home located?
What type of home is it?
Where are you in the home buying process?
How do you plan to use your new home?
Have you or your spouse served in the US military?
Veterans and active US military may be eligible for a $0 down VA loan when purchasing a home.
What is your (or your spouse's) branch of military service?
Are you actively working with a real estate agent?
Is this your first time purchasing a home?
What is the approximate purchase price of the new property?
How much do you have for a down payment?
What is your current employment status?
What is your household gross (before taxes) annual income?
What is your credit score?
Have you had a bankruptcy or foreclosure in the past 3 years?
What’s your name?
Where is the home located?
What type of home is it?
Have you or your spouse served in the US military?
Veterans and active US military may be eligible for a $0 down VA loan when purchasing a home.
What is your (or your spouse's) branch of military service?
What is the estimated value of your property?
What is the estimated balance of your first mortgage?
Do you have a second mortgage?
How much additional cash do you wish to borrow?
(It's OK to estimate or if no cash-out leave at $0)