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Bank Statement Loans

Your Cash Flow.Your File.

Financing for self-employed borrowers when W-2 income does not tell the full story.

Self-Employed | Bank Statements | Non-QM

Financing for qualified borrowers. Program terms are confirmed in the guidelines below.

Program guidelines

Loan purpose

Purchase or refinance residential property using alternative income documentation
Support self-employed borrowers whose bank deposits better reflect cash flow
Access eligible cash-out or refinance options when traditional W-2 income does not fit the file

Loan term

30-year fixed-rate option
5/6 ARM
3/6 ARM
Reserve requirement: 6 months of PITIA

Loan amount

Loan sizes up to $50 million

Loan to value (LTV)

Maximum LTV: 80%

Minimum credit score

660

Maximum DTI

55%

Property type

Owner-occupied 1–2 unit homes
Second homes
Non-owner-occupied (investment) properties

Eligible property types

Single family residence (SFR)
PUDs
Condos
Townhouses

Eligible borrowers

U.S. citizens and permanent resident aliens
Non-permanent resident aliens

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