Bank Statement Loans

The smart mortgage for self-employed borrowers. Qualify using your actual deposits, not understated tax returns.

Why bank statement loans?

Traditional lenders require tax returns, but self-employed borrowers often minimize taxable income for legitimate reasons. Bank statement loans solve this by qualifying you on actual deposits — your real income.

No Tax Returns Required

We use your bank deposits to verify income, not tax returns that often understate self-employed earnings.

Flexible Income Calculation

Choose 12 or 24 month statements. We calculate your qualifying income from average monthly deposits.

Multiple Business Accounts OK

Combine deposits from multiple business accounts to maximize your qualifying income.

Fast Pre-Approval

Get pre-approved in minutes with a soft credit pull. No impact on your credit score.

Basic Requirements

Minimum 660 credit score
12 or 24 months of bank statements
10-20% down payment
2 years self-employed history
Primary residence or investment property

Requirements may vary based on loan amount and property type. Get pre-approved for exact terms.

Check Your Rate

How it works

Apply online

Answer a few questions and get pre-approved in minutes.

Upload statements

Securely upload 12-24 months of bank statements.

Close fast

We analyze your income and close in as fast as 14 days.

Frequently asked questions

Have another question? Contact us

No. We use a soft credit pull for pre-approval, which does not impact your credit score. A hard pull only happens when you officially apply for the loan after finding a property.

Bank statement loans qualify you based on your actual bank deposits over 12-24 months instead of tax returns. This is ideal for self-employed borrowers whose tax returns may understate their real income.

DSCR (Debt Service Coverage Ratio) loans qualify based on the property's rental income rather than your personal income. If the property's income covers the mortgage payment, you can qualify — great for real estate investors.

Our AI-powered platform automates document analysis, underwriting checks, and compliance reviews that traditionally take weeks. We've eliminated the back-and-forth that slows down traditional lenders.

Absolutely. While our technology handles the heavy lifting, a licensed loan officer is always available to answer questions, explain options, or step in whenever you need human guidance.

For bank statement loans, typically 10-20% depending on credit score and loan amount. For DSCR investment properties, typically 20-25%. We'll show you exact requirements during pre-approval.