Bank Statement Program

For self-employed borrowers only.*

30-Year and 15-Year Fixed
10, 7, and 5-Yr ARMs


  • Income determined using an average of 2 to 24 mo Personal or Business bank statement deposits.
  • Purchase or Refinance
  • Loan Amounts to $3,000,000
  • Primary residence, Vacation Home, Investment Property
  • Single Family (or condo).
  • 2 to 4 Units
  • Unlimited cash-out refinance loans


  • Down payment minimum 10% (depending on purpose of loan and credit score).
  • 12 or 24 month average of deposits from a personal bank account determines income
  • 12 or 24 month average of deposits from a business account determines income
  • Business license evidencing 2+ years in business or letter from CPA if business does not require a license.

Rates only slightly higher than conventional mortgages. Down payment (or equity, for refinances), and credit score will determine the interest rate.

Each loan applied for is analyzed on its own merits.

Call or email for more information.