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.
No tax returns required
Designed for self-employed borrowers across many industries
Can use business or personal bank statements for income documentation
Available for home purchases, refinancing, or accessing equity
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:
Proof of consistent income through bank deposits
Minimum length of self-employment
Credit history that meets lending standards
Property used as a primary, second home, or investment
Available for single-family homes, condos, and multi-unit properties
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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