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Owning a business is tough. Many entrepreneurs end up reducing their own paycheck in order to re-invest back into their business. Bank statement loans can help.

Unfortunately, many major lenders lack home financing programs that recognize the realities of running a business. However, a bank statement home loan is a mortgage option offered by some lenders where tax returns aren’t relied on to determine income. Instead, these programs look at bank statements from the borrower AND their business to assess a borrower’s financial situation.


Here’s what’s involved with our Bank Statement Loans:

  • No Tax Returns Required – Qualify from Bank Statement Deposits
  • 2 Year Self-Employment History Required, along with a brief CPA Letter to Confirm.
  • Personal Bank Statements: 12-24 month average deposits OR Business Bank Statements: 12-24 months average deposits
  • 580 Minimum Credit Score – (this can be even lower but it’s case by case)
  • Up to 90% LTV (No PMI)
  • Loans up to $10 Million
  • Interest Only or Principal & Interest Loans Available
  • Bankruptcy CH 7 & 13, Short-Sale, 24 month waiting period from discharge date
  • Home types: Owner-Occupied, 2nd Homes, Investment Properties, and 1-4 Unit Multi-family (Non-Warrantable Condos are OK too)
  • 100% Gift Funds Allowed
  • No Pre-Payment Penalties
  • Required Debt Ratio – Very Flexible
  • Non-US Citizens Eligible
  • Fast Closings

All Final Rates, Terms, Conditions and Required Documents will be described on the Final Loan Approval & will be contained in the Final Legal Closing Documents

Bank statement loans