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Bank Statement Loans | Alabama

Alabama's self-employed workforce continues to grow, with many entrepreneurs, freelancers, and small business owners seeking flexible mortgage solutions. Traditional home loan qualification methods often pose challenges for self-employed borrowers due to variable income and tax write-offs. Bank statement mortgage loans provide an alternative financing option by allowing applicants to verify income using 12 to 24 months of personal or business bank statements instead of tax returns. This type of loan is ideal for self-employed individuals in Alabama looking to purchase a home, refinance an existing mortgage, or access cash-out equity without the need for traditional income documentation.

Alabama Bank Statement Loan We Offer | 800-718-8906

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Non-QM Low Doc Jumbo

One-Year W-2 Jumbo: low-doc jumbo non-QM loans; 1-year W2 income, bank-statements, asset depletion. Up to $6M, 90% LTV for refi, 10% down for purchases.

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Investor DSCR Mortgage Program

Purchase or Cash Out Refinance options available with a minimum 620 credit score. The Real Estate Investor Program provides flexible income documentation, including Full Doc

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Bank Statements Jumbo Mortgage

Bank Statements Jumbo Mortgage with a 3-Month Program. Use either business or personal bank statements as an alternative to the 6-month, 12-month, and 24-month options.

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Super Jumbo DSCR $4,500,000

DSCR loans remain a top choice for real estate investors. We offer flexible guidelines using income from both long- and short-term rentals, and can qualify

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Stand-Alone Second Mortgage

Access the equity in your home without the paperwork stress. Our Second Mortgage Bank-Statement Loan is for self-employed homeowners, freelancers, or anyone who lacks traditional

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Super Jumbo Investor Loan

Super Jumbo Real Estate Investor Loan Program to $5,000,000 This investor program was created for seasoned professional Business Purpose Real Estate Investors for most property

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Non-QM | Non-Prime Loan Programs

The Non-Prime / Non-Qualified Lender Programs offer flexible mortgage solutions for borrowers with unconventional financial profiles—like those with lower credit scores or alternative income documentation.

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Debt Service Coverage Ratio 620 FICO

Business Purpose Investor Loan Program Loan programs for homebuyers and homeowners looking to refinance, rate/Term and Cash Out their Single-Family Residence, Condo or Multi-Unit including

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Private Money 70% LTV

Soft Money Mortgage Program Exceptions made to 75% LTV for qualifying counties in the state of California. This means that the pricing is less than

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12 Month Bridge Loan

12-Month Bridge Loan: short-term loan up to $30M, up to 75% LTV. Tap your property equity fast before sale. Credit score min 620.

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No Ratio Investor Loan Jumbo

DSRC Investor Loan Program – No Income Verification Qualify for a self-employed mortgage with loan amounts up to $5,000,000 and a 760 middle mortgage credit

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Super Jumbo Bank Statement Loan

Super Jumbo Bank Statement Loan for Self-Employed Borrowers The Super Jumbo Bank Statement Loan is designed for self-employed borrowers seeking high-balance financing with flexible income

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Non-QM Super Jumbo Alt Doc

Super Jumbo Alt-Doc loans with a 620 credit score: get up to $2.5M for purchases, flexible docs (bank statements, P&L), low down & broad eligibility.

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Non-Prime True No Doc Loan Program

Non-Prime – No Income and No Employment If you’re seeking the right Non-Prime No-Income/No-Employment program requiring minimal documentation.With no verification of income or employment required,

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Bank Statement Loans by State:

Alt Doc Loans by State:

Alternative Income Documentation

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Non-QM Mortgages

Jumbo Bank Statement Loans

Bank Statement Second Mortgages

Non-Prime Bank Statement Loans

Bank Statement Refinance Loans

Bank Statement Niches

1 Month Bank Statement Loans

3 Month Bank Statement Loans

6 Month Bank Statement Loans

12 Month Bank Statement Loans

24 Month Bank Statement Loans