Bank Statement Mortgage Program

Self-employed clients have unique financing needs that require flexibility, which is why we provide a Bank Statement Program. This program allows self-employed borrowers to qualify for a loan by submitting 12 consecutive months of business bank statements instead of tax returns.

• Options available for 12 and 24 months
• Eligible to use 100% of deposits on personal account
• Eligible to use 50% of deposits on business account, or up to 90% with a CPA letter
• Maximum loan amount of $4 million
• Minimum FICO score of 640
• Maximum LTV of 90%
• Maximum DTI of 50%

If you are self-employed and meet the criteria for our Bank Statement program, please contact our loan consultants to discuss your specific scenarios. We offer a few bank statement programs including a 3-month bank statement program and a 24-month program which works the same as the 12-month program but has better interest rates.