Contact a Loan Officer (800) 718-8906
A 24-month bank statement loan uses two years of eligible deposits to establish a longer and potentially more stable record of self-employed income.
The extended review period can help demonstrate consistency when business revenue varies seasonally or from month to month. Lenders generally average qualifying deposits after removing transfers and other ineligible funds and applying any required business expense adjustment.
Borrowers with an established business history, adequate reserves, and consistent cash flow may benefit from the additional documentation depth.
Review this 24-month personal and business bank statement options or compare the shorter 12-month bank statement program.
Additional guidance is available in the bank statement mortgage documentation requirements.
Submit your loan scenario for loan officer review before having your credit checked or speak to an experienced loan officer: 800-718-8906.
Related: Credit Analyzer, Credit Score Simulator, Credit Rescore, Credit Rescore Guidelines
Bank statement mortgage program for self-employed borrowers using 12 months of personal or business statements, flexible expense factors, and loan amounts up to $3,500,000
Self-Employed Home Loan $4,000,000 90% LTV Every loan is different, and not every borrower fits traditional lending guidelines. We offer a variety of Non-QM loan programs designed to help with unique financing situations. Contact us today to discuss your options. Loan Program Transaction Types: Loan-to-Value (LTV) Matrix Full Doc, Lite
Jumbo Bank Statement Mortgage for Self-Employed Borrowers This bank statement loan program is designed for self-employed borrowers, business owners, and independent contractors who may not qualify with traditional tax return income. Instead of using standard W-2 income or full tax return documentation, eligible borrowers may qualify using 12 or 24
Flexible Financing for Self-Employed Borrowers The Business Bank Statement Mortgage Program helps self-employed professionals and business owners qualify for mortgage financing without tax returns. Instead of W-2s, borrowers can use 12 to 24 months of business bank statements to verify income — a practical solution for those with complex or
Qualify for a Jumbo Bank Statement Loan up to $10 million with no tax returns required. Designed for self-employed and W-2 co-borrowers using 24 months of bank statements.
Self-Employed Borrowers Our Investor Bank Statement Loan program caters to borrowers who thrive outside the conventional lending box. As a portfolio direct lender, we make our own Non-QM and Non-Prime manual underwriting decisions, offering flexibility and real-world judgment rather than rigid, automated approvals. Some portfolio lenders also operate as banks,
The Closed-End Bank Statement Second Mortgage program provides second-lien financing for self-employed borrowers and real estate investors who may not qualify using traditional income documentation. Depending on the loan purpose and borrower profile, qualification may be available using bank statements, 1099 income, Profit and Loss statements, DSCR, or other alternative
Prime, Non-Prime, and Investor DSCR Solutions Non-QM: Non-QM lender now allows you to qualify using a flat 20% expense ratio across all industries and without requiring a business narrative. Non-Permanent Residents: Bank Statement Income Bank Statement Analysis: Minor clarifying language updates. No change to guidelines. Rural Properties: Rural properties may
Our Bank Statement Loan program provides self-employed borrowers with an alternative to traditional income documentation. Use personal or business bank statements for up to 24 months to qualify for home loans with flexible terms. Available for purchases, refinances, and cash-out options, this program accommodates credit scores as low as 600,
Portfolio Direct Lender is a direct lender with their own portfolio of loan products and programs, and they make their own Non-QM and Non-Prime manual underwriting decisions. Some Portfolio lenders can also be a bank that lends their own money as well as a portfolio they contribute to or commit
ClearEdge Lending is a wholesale lender specializing in Non-QM (non-qualified mortgage) products, known for both originating and securitizing loans as a true end-investor since 2015. They stand out with an extensive and innovative program portfolio—ranging from bank statement loans and DSCR to asset depletion, ITIN, and their unique Flex Connect
Non-QM lender offering bank statement loan programs, Foreign National loan programs, Non-Prime loan programs, ITIN investor loans, Asset Depletion and DSCR loans. Come see our guidelines and requirements.
Oak Tree Funding Offers the Following Loan Programs Oaktree Funding: Your Premier Non-Qualified Mortgage Lender G Non-Agency Equity HELOC Investor Professional Investor Cash Flow Advantage Platinum Advantage Full Stack Check back often as we are always updating our lender and loan program information. Mortgage Pre-Qualification Form – No Credit Check
Our bank statement loan service provides flexible solutions. By analyzing gross monthly deposits and subtracting an expense ratio or factor percentage, our lenders pre-underwrite and calculate your quantifiable income. This approach ensures a tailored evaluation for debt-to-income (DTI) ratios and loan-to-value (LTV) thresholds, enabling access to competitive financing options. Bank
Non-QM Mortgage Broker Service We determine your qualifying income down to the dollar before you go through the full application process, credit check, and preliminary documentation. This ensures the numbers align upfront, saving you time and effort. Bank Statement Mortgage Service Once your Loan Officer reviews your bank statements, they
AD Mortgage | Mortgage Pre-Qualification Form – No Credit Check AD Mortgage Introduces ADVocate, here with extensive experience with assist with Loan process.Brokers are now approved for Business Purpose Loans in Non-Licensed States. A&D Mortgage Continues to expand our product and improve our rates. DSCR Program Our business purpose mortgage
12 Months Income Alternative to 24 Months As an alternative to the standard two years of income documentation, we have two options for you: either provide one year W2 alongside 30 days of paycheck stubs year to date (YTD), or submit one year tax returns along with year to date
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 documentation. This lite documentation (Lite Doc) mortgage program supports purchase, rate-and-term refinance, and cash-out refinance transactions for qualifying borrowers. Program Overview and Loan Highlights Income
Access up to $750,000 with a Stand-Alone Second Mortgage—no need to refinance. Requires 680+ credit score, supports primary and second homes.
Bank Statement Alt Doc Options Available – 2026 Updates We calculate your monthly income number (DTI purposes) before your loan is submitted to the underwriter based on either your previous 3 months, 6 months, 12- or 24- months bank statements. Saves time because it will be a clean loan, the
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.
Six Alternative Income Verification Options This 3 month, 6 month, 12 month, or 24 month bank statement Non-QM loan program uses bank statements in lieu of Traditional Income Documentation to determine a borrower’s Ability-to-Repay. Agency – government regulated. Non-QM is manually underwritten per investor guidelines as well as underwriter discretion.
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.
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. Also offering 1-month and 2-month statement programs for greater flexibility in qualification.
Self-Employed Questionnaire Business information required to properly analyze bank statements Provide details of how income is generated: More than one physical site? (Check One) YES NO If Yes, how many? Total Monthly Payroll Expense: Do you manufacture a product, such that you have a cost of goods sold for the
Non-Prime Super Jumbo Loans up to $5,000,000 for self-employed borrowers. Use 12 or 24 months of business bank statements to demonstrate your ability to repay, eliminating the need for traditional income verification. Ideal for high-net-worth individuals seeking flexible financing.
Alt-Doc for Real-Estate Investors: Rent & business bank statements, lease income or Airbnb qualify. Flexible docs, no tax returns required.
Non-Qualified Mortgage Lender Serving California Non-QM lender offering Non-QM loan programs to California self-employed borrowers. California business owners need flexible non-qualified underwriter guidelines with favorable pricing, reasonable terms, and advantageous approval conditions (Conditional Loan Approval | CLA)) to increase their chances of getting approved for a reasonable mortgage without being
Self-Employed Borrowers: Purchase 90% LTV, and Cash Out – 85% LTV ~ Self-employed borrowers can now take advantage of alternative income documentation with options to purchase at 90% LTV and cash out at 85% LTV. By using your 1099(s) as a sole proprietor, you can qualify with additional income, demonstrating
Lite Doc Jumbo and Super Jumbo Mortgage Purpose: Purchase, Rate/Term and Cash Out (6 Months Purchase/Title Seasoning for “Current Market Value”) Wage earners may qualify using a streamlined income documentation option that verifies current employment and earnings without a two-year income history. This Lite Doc approach is designed for borrowers
Second Mortgage Bank Statement Jumbo Loan. Flexible CLTV options with loan amounts starting at $250,000, up to 85% CLTV. Available for larger loans, with 80% CLTV for $350,000 and 75% CLTV for higher amounts. Ideal for self-employed borrowers using bank statements for qualification.
The Non-Qualified Mortgage Jumbo (55% DTI) program is designed for borrowers who may not have traditional documentation like tax returns, W-2s, or pay stubs. It offers flexible income verification via 1099-only, bank statement, asset depletion, P&L-only (unaudited), Alt-Doc (24 months), Lite-Doc (12 months), or Reduced-Doc employment packages—depending on documentation availability.
Bank Statement Jumbo Mortgage with Interest-Only options. Choose from 2-month or 24-month bank statement programs for purchase, rate/term refinance, or cash-out. Available for owner-occupied, second homes, and primary residences. Flexible qualification for self-employed borrowers.
Self-Employed Borrower Income Documentation Portfolio direct lender functions as a direct lender boasting its unique portfolio loan of products and programs. They autonomously determine Non-QM and Non-Prime manual underwriting decisions. Moreover, portfolio lenders have the capability to lend their own funds alongside a portfolio they either contribute to or commit
Niche Loan Non-Prime Mortgage Our non-prime jumbo mortgage loan program offers flexible financing options, allowing borrowers to qualify using either 12 or 24 months of bank statements. Bank Statement Program for Self-Employed, 24 months This program is designed to meet the needs of those who may not fit full income
Our 24-Month Bank Statement Program offers a streamlined alternative: instead of relying on tax returns, you can qualify using up to two years of business or personal bank statements (or both), combined with a borrower-prepared profit & loss statement. This approach is designed for flexibility and ease of qualification, making
Non-Prime Super Jumbo Bank Statement Loan – 600 Credit Score Non-Prime Bank Statement Loans provide financing for borrowers with a 600+ credit score. Self-employed individuals using personal or business bank statements, including commingled accounts is OK to verify income. Super Jumbo options are available, allowing high loan amounts without traditional
The Non-Prime Bank Statement Loan (620 Credit Score) is a Non-QM non-traditional income documentation. qualifY using 1 to 24 consecutive months of recent bank statements—with or without reduced-doc or alt-doc options like 1099 income—in lieu of standard tax returns. Designed for applicants with a minimum 620 credit score, the program
1099 Only and Bank Statement Home Loans This loan program is for home buyers and homeowners that have a few late payments or recently experienced a housing event such as bankruptcy, foreclosure, or short sale. Why Non-Prime? Non-Prime mortgages are not only for challenged credit borrowers, but also good and
Bank Statement Loans for Self Employed Borrowers Whether you’re purchasing your first home or expanding your real estate portfolio, these loans adapt to your income profile and make your homeownership goals achievable. Bank statement loans are a game-changer for self-employed individuals seeking home financing. These loans allow the use of
Discover our comprehensive Bank Statement Non-Prime Loan Program, offering flexible solutions for diverse financial profiles on our Non-Prime mortgages.
Real estate investor cash-out with bank-statement loans: use rentals, 1099 or Airbnb income, alt docs. Up to 85% LTV, flexible credit & no tax return needed.
12-Month Bank Statement Program expands its reach with low-doc qualifications for self-employed borrowers including sole proprietors and independent contractors, requiring only a 12-month average of gross deposits instead of traditional income documentation.