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Simplify Your Mortgage with a Bank Statement Loan
Get Approved for a Home Loan with Bank Statements—Perfect for Self-Employed Borrowers!
- Purchase, refinance, or take cash-out
- No tax returns needed
- 3-month bank statement program
- 12-month bank statement program
- As much as 90% loan to value
- Credit score as low as 650
- We Also Offer "Stated Income" Mortgages
Trusted by 1,460 people
What is a Bank Statement Loan?
A Bank Statement Loan is specifically designed for self-employed individuals who may not have traditional income documentation, such as W-2s or tax returns. Instead of relying on these documents, lenders use your bank statements to verify your income.
This type of loan is ideal for freelancers, business owners, and independent contractors who have a steady flow of deposits but lack conventional proof of income.
Bank Statement Loans offer flexible income verification, making it easier for you to secure the mortgage you need. These loans often come with competitive rates and flexible terms, tailored to suit your unique needs.
- Easy to qualify
- Minimum of 3 months of bank statements
- Consolidate debt
- Credit score as low as 650
- Fast approval with 81% chance
- No tax returns
- Use business or personal bank statements
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4.6/5 from 130+ reviews
4.9/5 from 30+ reviews
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4.4/5 from 45+ reviews
See what our clients say about our bank statement loans
First-Time Homebuyers' Delight
Suzie and the Truss Financial Group exceeded our expectations in securing our mortgage as first-time homebuyers. Suzie's expertise and guidance made the potentially daunting process incredibly smooth and manageable.
Great for Bank Statement Loans
I did a bank statement income loan and it chose to not include some deposits. This is just a heads up, not a complaint. Truss is definitely a good company, and I would ABSOLUTELY work with them again. Marcus was honest and helpful throughout the process.
Personalized Service
"I am more than pleased to work with Delania Tak and would confidently recommend her to anyone seeking reliable assistance in securing a loan. Her commitment to excellence and personalized care make her an exceptional choice."
Cash-Out Refinance Made Easy
Thank you so much to Guillermo Correa and Truss Financial. They made doing my cash-out refinance a piece of cake! The interest rate was much lower than other lenders I checked with. The fees were reasonable, and the timeline was very smooth.
Exceptional for Self-Employed
After months of struggling with other lenders, Paul at Truss Financial made it easy to complete a cash-out refinance of a new primary residence. As a small business owner and real estate investor, my income situation is complicated but Paul was able to guide me through the process with relative ease.
Innovative Solutions for Self-Employed
Garrett Jimenez was super creative and helpful every step of the way. Being self-employed makes getting a loan difficult. But he found ways to overcome each and every hurdle and really hit a home run for us.
Talk to a bank statement loan expert
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