04/26/2026
07/14/2026
Unconventional Bank Statement Mortgages | A Wealth of Information and Service
Speak to a Live Loan Officer: (800) 718-8906
Speak to a Live Loan Officer: (800) 718-8906
Six-month bank statement loan programs offer a middle ground between abbreviated income documentation and the more traditional 12- or 24-month review.
Lenders analyze eligible deposits over the six-month period to estimate sustainable monthly income. Business accounts are typically reviewed for operating expenses, while personal accounts may allow a larger percentage of qualifying deposits to be used.
These programs may benefit established self-employed borrowers whose recent cash flow accurately reflects their current earning capacity.
Related options include a six-month bank statement loan for a 660 credit score and a six-month bank statement program for a 680 credit score.
Borrowers may also compare three-month documentation with 12-month bank statement programs.
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-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
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
The Bank Statement Loans highlights a suite self-employed borrowers that cannot provide conventional income documentation including the 12-Month Bank Statement option to enable qualification using
6-Month Bank Statement Loan – 680 Credit Score This Six-Month Bank Statement Loan program caters to borrowers with a 680 credit score or higher, designed specifically for
The 6-Month Bank Statement Mortgage 660 Credit Score program for borrowers with credit scores of 660 to qualify using six months of personal or business