Bank Statement Loans (Non-QM)

A Bank Statement Loan is a flexible mortgage option designed for self-employed individuals or business owners who don’t show consistent income on tax returns but have strong cash flow.

💡 Highlights:

No Tax Returns Needed: Qualify using 12 or 24 months of bank statements
Down Payment: As low as 10% (some lenders require 15–20%)
Credit Score: Minimum 620–660, depending on lender
Loan Amounts: Often up to $3 million or more
Flexible DTI: Higher debt-to-income ratios allowed
Property Types: Primary, second homes, and investment properties
No Mortgage Insurance (PMI)

✅ Great For:

Self-employed borrowers
Business owners
Independent contractors and gig workers
Real estate investors

With a bank statement loan, your real income speaks for you—not your tax forms.

A team of industry pros to guide you each step of the way

Most people find that mortgage financing is complicated and confusing. We help you buy your dream home by simplifying the mortgage financing process with personalized loan options that save you time and money.

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Bank Statement Loans (Non-QM)

Bank Statement Loans (Non-QM)

A team of industry pros to guide you each step of the way

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