Loan Program
Bank Statement Loan
Income Verification Without Tax Returns
For self-employed borrowers with strong deposits, the bank statement loan is the most straightforward path. Your cash flow tells the story — not your tax returns.
Who It's For
Is this the right program for you?
- i.Business owners who write off significant expenses and show low taxable income
- ii.Sole proprietors with consistent monthly deposits over 12–24 months
- iii.Borrowers who have been declined by traditional lenders due to tax return income
- iv.Self-employed individuals purchasing a primary residence, second home, or investment property
- v.Borrowers with 620+ credit who can document 12 or 24 months of bank statements
Requirements
| Credit Score | 620 minimum |
| Max LTV | Up to 90% |
| Down Payment | 10% minimum (primary), 20%+ (investment) |
| Documentation | 12 or 24 months personal or business bank statements |
| Property Types | Primary residence, second home, investment property |
The Process
01
Application
Submit your basic information and program interest. No credit pull at this stage.
02
Review
Nick reviews your scenario and reaches out within one business day to discuss your path forward.
03
Close
Most non-QM loans close in 20–30 days. We coordinate with title, appraisal, and underwriting on your behalf.
Find out if you qualify
Take the 2-minute quiz or apply directly.