Skip to Content

Bank Statement Mortgage

Traditional mortgage guidelines can make life difficult for self-employed borrowers. If you don’t have W-2s or traditional paystubs, proving your income might seem impossible.

That’s where our Bank Statement Loan program steps in. Instead of tax returns, you can use 12 or 24 months of business or personal bank statements to qualify.

Who’s It For?

  • Self-employed borrowers.
  • Small business owners.
  • Independent contractors.
  • 1099 earners.
  • Borrowers with at least 25% ownership in a business.
  • And yes, P&L statements are also accepted.

Highlights:

  • Max Loan Up to $4 million.
  • Minimum Loan $150,000.
  • Up to 75% LTV requires 640 score.
  • Up to 90% LTV requires 720 score.
  • Property Types: Primary, second homes, investment.
  • Loan Types: Purchase, Cash-Out, or Rate-Term Refi.
  • 1099 Option Available.

Why Choose a Bank Statement Loan?

  • No tax returns required.
  • Tailored to the realities of self-employment.
  • More flexible than traditional mortgage guidelines.
  • Great for borrowers with strong cash flow but non-traditional income reporting.

Let’s Get You Qualified:

Contact us today to get started or learn more. Go to getloans.com.