Bank Statement Program

For self-employed borrowers only.*

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


  • Income determined using average of 2 to 24 mo Personal or Business bank statements.
  • 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
    • (100%) from a single personal account determines income
  • 12 or 24 month average of deposits
    • (70%) from a business account determines income
  • Business license evidencing 2+ years of business or letter from CPA if business does not require a license.

Rates starting in the high 4% range. Down payment (or equity, for refinances), and credit score will determine interest rate.

Each loan applied for is analyzed on it’s own merits.

Call or email for more information.