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Bank Statement Loan – Up to 90% LTV
Tailored mortgage solutions for self-employed borrowers — qualify using deposits, not tax returns.
For many business owners, freelancers, and self-employed borrowers, traditional mortgage qualifications don’t reflect true earning power. The Bank Statement Loan Program solves this by using your actual bank deposits to verify income, offering flexible terms and higher LTV options to help you purchase or refinance with ease.
FAQs
Q: What types of assets qualify?
A: Checking, savings, retirement accounts, investment portfolios, and other verifiable liquid assets are eligible.
Q: Can I use this program for an investment property?
A: Yes — it’s ideal for investors and can be used for primary, second, or investment properties.
Q: How is income calculated from assets?
A: Eligible assets are divided over 60 months (or 120 months if blended with other income) to determine qualifying income.
Q: Are there minimum credit requirements?
A: Credit guidelines vary by lender, but strong assets can help offset other factors.
Q: Can this be combined with other income?
A: Yes, if beneficial for qualification.
Why This Program Works
This program looks at your real cash flow, not outdated or restrictive income calculations. By using actual deposits from bank statements, borrowers can demonstrate strong repayment ability even if tax returns show lower income due to deductions or write-offs.
A Smarter Way to Invest Without Boundaries
Instead of fitting into a one-size-fits-all box, this program adjusts to your unique financial profile. It’s perfect for entrepreneurs with seasonal income, high deductions, or unconventional income streams who still want access to competitive loan terms.