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65% LTV Bank Statement Loans are for self-employed borrower with a large down payment for their purchase loan best pricing.
A 65% loan-to-value bank statement refinance mortgage provides substantial borrower equity and may support more flexible qualification for self-employed borrowers.
The lower leverage can help offset factors such as a lower credit score, recent credit event, larger loan amount, variable income, or abbreviated statement history.
Lenders still evaluate eligible deposits, reserves, property condition, occupancy, and the borrower’s ability to repay.
Borrowers may compare 70% LTV bank statement options or review broader bank statement mortgage programs.
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
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
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
The 1099 Mortgage Program makes qualifying easier for self-employed borrowers. Only one year of 1099 income is required—no full tax returns—offering high loan amounts, flexible
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.
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
Bank Statement Loan: 90% LTV with just a 620 credit score — up to $5M loan, 55% DTI, ideal for self-employed with complex deductions.
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
Bank Statement Loan $4,000,000. Max LTV 85% Bank Statement Jumbo Mortgage: Borrow up to $4,000,000 with a maximum 90% LTV Maximum LTV/ Minimum Credit
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
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
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
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
Access up to $750,000 with a Stand-Alone Second Mortgage—no need to refinance. Requires 680+ credit score, supports primary and second homes.
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
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.
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
1099 Only Lite Doc Bank Statement Loan – Qualify with just 1 year of income and employment verification. Ideal for self-employed borrowers with a 660+
Our alternative documentation mortgage program features a Lite Doc option for borrowers seeking simplified income verification. Applicants can qualify using only the past 12 months
A Second Mortgage Bank Statement Loan allows qualified homeowners to access equity without refinancing their first mortgage. Using 12 to 24 months of personal or
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
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
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
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
Federal Tax Transcripts Not Required Loan Qualifying Criteria for this loan program are Asset Based. This program can also be used to supplement additional alt
Discover our comprehensive Bank Statement Non-Prime Loan Program, offering flexible solutions for diverse financial profiles on our Non-Prime mortgages.