If you’re self‑employed or have variable income, 3‑month bank statement loans in California can make qualifying easier. Instead of using tax returns or 1-year‑long averages, lenders review just your most recent three months of bank statements to determine income.
This program is especially helpful when your recent deposits are stronger than your longer‑term average or when you only have a short statement history available.
3-Month Bank Statement Mortgage is ideal if you:
- Have strong recent income deposits, but lower average income over the past year or two
- Only have 3 months of statements available
- Want faster qualification without extensive income documentation
- Super Jumbo $4,000,000, Exceptions to $5,000,000 with strong compensating Credit Profile factor
How do 3 Month Bank Statement Home Loans Work?
If you would like to provide your most recent 24 months of bank statements (personal or business, all accounts showing income deposits). Your loan officer will review deposits, identify income-related deposits, and pre-calculate your qualifying income for DTI and loan approval purposes.
Note: Not all documentation you provide will be sent to underwriting – only what’s most relevant.
Example: Certain deposits may need to be sourced, while others may be excluded
Why Consider one of our 3 month Options
If your 3-month average supports your loan amount — and the program offers the best rate, terms, and conditions for your situation, we move forward with one of our 3-month programs.
Key Benefits:
- Uses only 3 months of bank statements for income qualification
- Pre-underwriting review at no cost
- No hard credit pull to explore options (soft inquiry available)
- Works for jumbo and super jumbo loan sizes
Related Bank Statement Loan Options
12-Month Bank Statement Programs
24-Month Bank Statement Programs
Ready to get Started?
Apply today and see how our 3-Month Bank Statement Loan can work for you!
Available in the Following States:
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Wisconsin.