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Qualify With Just Bank Statements — No Tax Returns Needed
Bank Statement Loans – Up to 90% LTV
For self-employed borrowers, entrepreneurs, and business owners, qualifying for a mortgage doesn’t have to be complicated. Our Bank Statement Loan Program allows you to use 12 or 24 months of bank statements instead of tax returns or W-2s to prove income. With LTVs up to 90%, loan amounts up to $4 million, and credit scores starting at 600, it’s one of the most flexible financing options for non-traditional borrowers.
Plus, we allow non-warrantable condos and condotels, giving you more property options than conventional lenders.
FAQs
What income documentation is needed?
We use bank statements only (12 or 24 months). No tax returns, W-2s, or P&Ls are required.
What types of properties are eligible?
Primary residences, second homes, investment properties, non-warrantable condos, and condotels are eligible.
What’s the maximum DTI allowed?
Up to 55% DTI.
Why This Program Works for Self-Employed Borrowers
Traditional mortgages rely on tax returns that often don’t show the true income of self-employed individuals. Business owners take legal deductions, which can make qualifying harder even if their cash flow is strong. By using bank statements, we evaluate your actual deposits — giving you credit for the income you really earn.
More Flexibility, More Buying Power
With high LTVs, a wide range of eligible properties, and no need for traditional documentation, this program empowers you to purchase or refinance without compromise. Whether you’re looking to expand your real estate portfolio, buy a vacation property, or secure a primary home, our Bank Statement Loan gives you the leverage to make it happen.