Bank Statement Loan Pricer
Qualify using personal or business bank statements instead of tax returns. Designed for self-employed borrowers, business owners, freelancers, and anyone whose tax returns don't reflect their true earning power. Select your statement period below and see rates from hundreds of lenders instantly.
Bank Statement Loan Facts
- Qualify using bank statements instead of tax returns or W-2s
- Ideal for self-employed borrowers, business owners, and freelancers
- Personal or business bank statements accepted (1-24 months)
- No tax returns or income verification required
- Available for primary residence, second home, or investment property
- Minimum credit score typically 660-680; best rates at 720+
- Down payment as low as 10% for primary residence
- Rates are higher than conventional but offer flexibility for non-traditional income