Bank Statement Only


  • Minimal documentation
  • 30 Year Fixed Rate
  • Loan amounts up to $3M
  • Available for owner-occupied, second homes, and non-owner occupied purchases
  • Available for purchases and rate/term refinances


  • Minimum 10% Down Payment
  • Credit Scores starting at 600
  • Two years self-employed required

What is a bank statement only loan?

Bank statement only loans are a great loan solution for self-employed borrowers who may not qualify through traditional financing methods. Our bank statement only program allows borrowers to demonstrate the true cash flow of their business through their business or personal bank statements. Traditional financing for self-employed borrowers requires substantial documentation such as tax returns, W2s, and 1099s. However, these may not always be indicative of the profitability of the business (i.e. substantial tax write offs, fluctuations in business cycles, etc.). This program allows buyers to avoid this, and instead submit either 12 or 24 months of their personal or business statements to demonstrate business cash flow.

View mortgage rates for December 4, 2023


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