Bank Statement Loans
Qualify with your bank deposits instead of tax returns
A Non-QM option for self-employed borrowers and business owners whose tax returns understate their true cash flow. Income is calculated from 12 or 24 months of bank statements. Available through our wholesale lending network.
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What this program offers and who it tends to fit best.
01
No tax returns required
Leave the 1040s and K-1s out of the file entirely.
02
12 or 24 months of statements
Choose the statement window that most accurately reflects your income history.
03
Personal or business accounts
Qualify using the account type that shows your cash flow most accurately.
04
Flexible property types
Available for primary residences, second homes, and investment properties.
01
Realistic income calculation
Your deposits tell the story your write-offs hide.
02
Built for business owners
Designed around how entrepreneurs actually document income.
03
Competitive loan amounts
Loan sizes that fit real purchases, beyond many traditional limits.
04
A path back to yes
An option when conventional underwriting says no.
frequently asked questions
Common questions about this loan program.
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