Unconventional Bank Statement Mortgages | A Wealth of Information and Service

California Bank Statement Mortgage Lenders and Loans

  • Built for entrepreneurs, business owners, and self-employed individuals who may not qualify using traditional income documentation.
  • An excellent solution if your taxable income is reduced by business expenses or your earnings vary throughout the year.
  • Instead of tax returns, lenders review 12 or 24 months of bank statements to determine qualifying income.
  • Income is generally calculated from eligible bank deposits, with personal accounts often receiving more favorable treatment than business accounts due to business expense adjustments.
  • Compared to conventional financing, these programs may require a higher down payment and have slightly higher interest rates, but they often provide more flexible income qualification standards.

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Business Bank Statement Mortgage Program

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

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Plaza Home Mortgage

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. *

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12 Month Bank Statement Program

The 12-Month Bank Statement Loan is designed for self-employed and 1099 borrowers who prefer simplified documentation. Instead of tax returns, approval is based on bank

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ACC Mortgage

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

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Oaktree Funding

Oak Tree Funding Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Oaktree Funding: Your

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AD Mortgage

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

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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 | 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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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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Non-QM Portfolio Lender Loan Programs

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

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Bank Statement Loans by Months

Jumbo Bank Statement Loan Programs

Bank Statement Loan Programs

Loan Programs by Credit Score

Loan Programs by LTV

Second Mortgage Bank Statement Loan Programs

Broker-Wholesale Lender Network

Credit Score Tools