Bank Statement Loan For Self-Employed Buyers

What is a Bank Statement Loan Program?

A Bank Statement Loan Program allows you to verify your income on a mortgage application using documented bank deposits on your Bank Statements in place of tax forms. Traditional mortgage loans involve providing tax returns, W-2s and paycheck stubs in order to verify monthly income. The Bank Statement Loan Program can be used to qualify with an ITIN, to purchase a Manufactured Home, to purchase an investment property and even to purchase vacant acreage or land. The Bank Statement Loan Program is a perfect option to utilize when you are not showing sufficient income on your tax returns. 

Purchase / Rate and Term Refinance / Cash - Out 

Down payment as low as 10%

12 months bank statements - 600+ credit score required

DTI up to 55% 

Reserves may be required

Minimum loan amount $100,000

Maximum loan amount $650,000

Properties: single family, townhouse, condo, non-warrantable condo, 2-4 unit and modular homes

12 Months Personal and/or Business bank statements

1 Year Profit & Loss Statements

Can be used with ITIN Loan Program

Cash Out Refinance less than 639 credit score will require a 65% LTV, if 640 or greater 70% LTV

*For Information Regarding Rates Please Submit A Full Loan Application. 

**Additional Guidelines Apply. Ask For More Details.

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We service the great state of Texas and includes but is not limited to the following major cities.

San Antonio Bank Statement Loan Programs, Dallas Bank Statement Loan Progams, Houston Bank Statement Loan Programs, Corpus Christi Bank Statement Loan Programs, Austin Bank Statement Programs, McAllen Bank Statement Loan Programs, Harlingen Bank Statement Loan Programs, Brownsville Bank Statement Loan Programs, New Braunfels Bank Statement Loan Programs, Seguin Bank Statement Loan Programs, San Marcos Bank Statement Loan Programs, Waco Bank Statement Loan Programs, Odessa Bank Statement Programs, Midland Bank Statement Loan Programs, Lubbock Bank Statement Loan Programs, Amarillo Bank Statement Loan Programs, Laredo Bank Statement Loan Programs, Del Rio Bank Statement Loan Programs, El Paso Bank Statement Loan Programs