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Loan Programs

Bank Statement Loan

Alternative income documentation for eligible self-employed borrowers.

Apply for a Loan Call (949) 933-6309 →

Overview

Some specialty lenders assess self-employed income using an eligible history of bank statements. They analyze qualifying deposits, exclude transfers and other ineligible funds, and apply the required treatment of business expenses. Total deposits are not automatically qualifying income.

Documentation periods, expense calculations, pricing, and reserve requirements vary. Non-QM means a loan does not meet the Qualified Mortgage definition; it does not by itself waive applicable ability-to-repay rules. Compare standard documentation options as well.

Who it's for

  • Self-employed business owners
  • Independent contractors with significant write-offs
  • Borrowers paid through their own LLC or S-corp
  • Anyone whose tax returns understate true income

What's typically reviewed

  • 12 or 24 months of personal or business bank statements
  • Verification of self-employment (CPA letter, business license)
  • Credit profile
  • Reserves

This is a general description, not a guarantee of approval. Specific requirements vary by lender and program. Final qualification is determined during underwriting.

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