Loan programs

Bank statement loan

A non-QM loan that qualifies income from 12 or 24 months of bank deposits instead of tax returns.

Why it is hard

Expense factors and deposit analysis vary, so the same statements can qualify for very different amounts.

What to ask a loan officer

Do you use personal or business statements, and what expense factor?
How do you treat large or irregular deposits?
How does pricing compare with a full documentation loan?

Also called

bank statement, bank statement loan, 12 month bank statement, 24 month bank statement, no tax return

Find a loan officer

Ranked loan officers by state and city are coming soon. Agents can query now: /api/v1/loan-officers?specialty=bank-statement&state=FL or this specialty as JSON.