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Bank Statement Loans | California

California, the world’s fifth-largest economy, is home to a diverse entrepreneurial landscape where traditional income verification methods may not suit self-employed professionals, freelancers, and business owners. These programs empower borrowers to secure financing based on their actual revenue, making homeownership and business expansion more accessible. 1 month, 3 months, 6 months, 12 months, or 24-Month Bank Statement Loans – Use personal or business bank statements to verify income. Self-Employed Borrowers Only – Designed for business owners, freelancers, and independent contractors. No Tax Returns Required – Qualify based on bank deposits instead of traditional income documentation. Loan Amounts Up to $5 Million – Flexible financing options for high-value properties. Competitive Interest Rates – Tailored to self-employed borrower profiles. Low Down Payment Options – As little as 10% down, depending on credit profile.

California Bank Statement Loan Programs We Offer - Guidelines and Highlights:

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.

Non-Prime True No Doc Loan Program

Non-Prime – No Income and No Employment DTI up to 60% (back-end (dti) – total monthly payment sum divided by your total monthly payments (as they appear on your credit

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Bank Statement Loans by State:

Alt Doc Loans by State:

Alternative Income Documentation

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Non-QM Mortgages

Alt Doc - Purchase Loans

Alt Doc - Refinance Loans

Bank Statement Second Mortgages

Non-Prime Bank Statement Loans

Bank Statement Niches

Bank Statement Refinance Loans

Jumbo Bank Statement Loans

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