Bank statement loans qualify you on 12–24 months of real deposits — not the taxable income your write-offs leave behind. Available in California, Arizona, Colorado, Nevada, Tennessee, and Washington.
We average your deposits over the statement period to establish qualifying income — no line-by-line tax return scrutiny, no write-off penalty.
Personal or business bank statements, 12–24 months, depending on the program.
An expense factor is applied to gross deposits to establish qualifying income.
Purchase or refinance, fixed or ARM — bank statement loans work with most standard loan structures.
Most programs require 12 to 24 consecutive months, personal or business, depending on the lender and how you're paid.
Self-employed borrowers, business owners, freelancers, and 1099 contractors whose tax returns understate real cash flow.
Typically 10–20%, depending on credit score, deposit consistency, and loan amount.
Yes — bank statement loans are available in California and every state we're licensed in: Arizona, Colorado, Nevada, Tennessee, and Washington.
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