Mortgages with No Tax Returns or W2s Needed
Qualify for a home loan using bank statements rather than W2s or Tax Returns. Designed for Self Employed borrowers.
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Bank Statement Home Loan Programs
We offer bank statement home loans to self employed borrowers who may find if difficult qualifying using W2 and tax returns due to write-offs or fluctuations in pay.
With Bank Statement Loans, borrowers are qualified based upon their ability to repay using a 12 & 24 month average of deposits. And, depending on the program, personal or business bank statements may be used.
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Bank Statement Loan Program Highlights
- Available for purchase financing and refinancing
- Cash-out refinancing is allowed
- No Tax Returns Needed!
- Most programs allow up to 90% financing
- Loan amounts up to $3M
- Fixed rate and adjustable rate options
- Programs available for primary residences, second homes, and rental properties
- Eligible property types include most types of single family homes, townhouses, and condominiums (and possibly non-warrantable condos)
- Interest only program available (although not in all states)