12- and 24-Month Bank Statement Loans provide mortgage brokers with a powerful solution for self-employed borrowers and business owners who may not qualify for traditional financing due to complex tax returns.

Instead of relying on W-2s or tax documents, these loans use personal or business bank statements to assess income, offering a more accurate reflection of a borrower’s cash flow.

This flexibility allows brokers to serve a broader range of clients, helping them secure home loans or refinancing options that might otherwise be out of reach.

With higher approval rates, competitive terms, and the ability to fund borrowers who have strong cash flow but unconventional income documentation, Bank Statement Loans enable brokers to expand their client base, close more deals, and grow their business.

Program Features

• Available with 12 or 24 months business or personal bank statements
• Loan amounts up to $3.5MM+
• Credit score down to 620
• DTI up to 55%
• Max LTV 90%
• Interest Only available on 30 or 40 year term
• Owner Occupied, 2nd Home (Investment Property)
• LLCs, Partnerships and Corporations eligible vesting types
• Multiple financed properties allowed
• Business and Personal Statements allowed
• Multiple bank statement qualification options
• Minimum 2 years self-employment
• 2+ housing event seasoning
• Non-Warrantable Condos allowed
• Appraisal Transfers Accepted*