Designed for the Self-Employed
Traditional income paperwork doesn’t work for everyone. If you’re self-employed or have non-traditional income, a bank statement loan can offer a flexible alternative to conventional mortgage options.
Instead of relying on tax returns or W-2s, this loan type uses your bank statements to help verify income—making it a practical choice for business owners, freelancers, and independent contractors.
Benefits of a 12/24 Month Bank Statement
Bank statement loans may be a great fit for borrowers with income that doesn’t show up clearly on traditional documents.
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No tax returns required
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Designed for self-employed borrowers across many industries
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Can use business or personal bank statements for income documentation
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Available for home purchases, refinancing, or accessing equity
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Loan options with competitive terms and flexible structures
12/24 Month Bank Statement Parameters
Requirements can vary by lender and individual profile, but here are some common criteria for bank statement loan consideration:
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Proof of consistent income through bank deposits
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Minimum length of self-employment
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Credit history that meets lending standards
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Property used as a primary, second home, or investment
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Available for single-family homes, condos, and multi-unit properties
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Loan options may include fixed, interest-only, or adjustable terms
Not sure if a bank statement loan fits your needs? We’re here to help you explore what’s possible.
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