Bank statement program

Qualify with 12 or 24 months of bank deposits instead of tax returns. Built for business owners whose returns don't tell the whole story.

Pida una cotización

Foto: Adobe Stock (free collection) · Adobe Stock standard license · asset 168323237 · licensed 2026-09-06 under the Chris Does Photos account

Nota: Página en español pendiente: esta página se publicará en español después de la revisión de un oficial de préstamo bilingüe. A continuación se muestra la versión en inglés.

Who it's for

Self-employed borrowers and 1099 contractors.

How it works

We average deposits from your personal or business bank statements to establish income.
Rates and down payment requirements are higher than agency loans because the investor takes more risk.

What you'll need

12 or 24 months of statements from the same accounts
A business license or CPA letter showing two years in business

Common questions

Do I need perfect credit?

No, but credit still matters. Guidelines vary by investor.

Por diseño, esta página no muestra tasas, APR, pagos ni porcentajes de pago inicial. Esas cifras solo se publican con la divulgación completa exigida por la Regulación Z.

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