Your tax return undersells you. Your bank statements don't.
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.
Real income, real qualification
We average your deposits over the statement period to establish qualifying income — no line-by-line tax return scrutiny, no write-off penalty.
1. Choose your statements
Personal or business bank statements, 12–24 months, depending on the program.
2. We average deposits
An expense factor is applied to gross deposits to establish qualifying income.
3. Close on your terms
Purchase or refinance, fixed or ARM — bank statement loans work with most standard loan structures.
Common bank statement loan questions
How many months of statements are required?
Most programs require 12 to 24 consecutive months, personal or business, depending on the lender and how you're paid.
Who qualifies?
Self-employed borrowers, business owners, freelancers, and 1099 contractors whose tax returns understate real cash flow.
What down payment is required?
Typically 10–20%, depending on credit score, deposit consistency, and loan amount.
Is this available in California?
Yes — bank statement loans are available in California and every state we're licensed in: Arizona, Colorado, Nevada, Tennessee, and Washington.
Not self-employed? See what else fits.
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