Self-Employed
Bank Statement Loans
Self-Employed? We Have Your Solution.
Minimum Credit Score
620+
Minimum Down Payment
10% (typical)
Ideal For
Self-employed, business owners, freelancers
What is a Bank Statement Loans?
Traditional mortgages rely on W2s and tax returns, but if you're self-employed, your tax returns often show lower income than you actually earn. Bank statement loans let you qualify using 12–24 months of business or personal bank statements instead.
Who It's For
Bank statement loans are perfect for self-employed borrowers, business owners, freelancers, consultants, and gig economy workers who have strong cash flow but complex tax situations.
Key Benefits
- Qualify using bank statements, not tax returns
- 12 or 24-month statement options
- Personal or business bank statements accepted
- Competitive rates for strong credit profiles
- Loan amounts up to $3 million
- Fixed and adjustable rate options
What You'll Need
- 12–24 months of bank statements
- Self-employed for at least 2 years
- Minimum credit score of 620
- Down payment of 10–20%+
- CPA letter or business documentation
- P&L statement may be required
Frequently Asked Questions
Ready to Get Started?
Contact Tathiana today for a free, no-obligation consultation. She'll review your situation and tell you exactly what you qualify for.