Bank Statement!

Bank Statement!

Get a FREE quote on a Bank Statement Loan & save thousands of dollars per year.

I Want My FREE Bank Statement Loan Quote

Bank Statement Fixed - Blue

  • 620+ FICO with LTVs up to 90%
  • Loan amounts starting at $100,000 up to $3M
  • Up to 50% DTI
  • Self-employed borrowers only
  • First-time homebuyers not permitted on investment properties
  • Eligible on primary, second and investment property purchases, rate/term and cash-out refinances
  • Reserve requirements:
    1. Minimum 6 months’ reserves for loan amounts lower of equal to $2M
    2. Minimum 9 months’ reserves for loan amounts over $2M
  • Minimum 12 months' consecutive bank statements required
  • Two separate appraisals from two different appraisers required for loan amounts over $1.5M
  • Temporary Rate Buydowns not permitted
  • Not eligible in West Virginia or on Texas 50(a)(6)

Bank Statement Fixed - Yellow

  • 620+ FICO with LTVs up to 90%
  • Loan amounts up to $3M
  • Up to 50% DTI
  • Self-employed borrowers only
  • First-time homebuyers not permitted on investment properties
  • Eligible on primary, second and investment property purchases, rate/term and cash-out refinances
  • For primary home loans:
    1. Loan amounts up to $1.5M - minimum 6 months' reserves required
    2. Loan amounts over $1.5M - minimum 12 months' reserves required
  • For second and investment property loans:
    1. Minimum 12 months' reserves required
  • Borrowers with more than 1 financed property require the greater of 9 months' reserves or reserve amount stated above plus an additional 2 months for each financed property
  • Minimum 12 months' consecutive bank statements required
  • Two separate appraisals from two different appraisers required for loan amounts over $2M
  • Temporary Rate Buydowns not permitted
  • Not eligible in West Virginia or on Texas 50(a)(6)

Bank Statement Fixed - Pink

  • 660+ FICO with LTVs up to 85%
  • Loans up to $3M
  • Up to 50% DTI
  • At least one borrower must be self-employed
  • No minimum tradeline requirements
  • Eligible on primary, second and investment property purchases, rate/term and cash-out refinances
  • Reserve Requirements
    1. Loan amounts up to $2M - minimum 6 months' reserves required
    2. Loan amounts over $2M - minimum 9 months' reserves required
  • Minimum 12 months' consecutive bank statements required
  • Two separate appraisals from two different appraisers required for loan amounts over $1.5M
  • Temporary Rate Buydowns not permitted
  • Not eligible in West Virginia or on Texas 50(a)(6)

Bank Statement Fixed - Orange

  • 660+ FICO with LTVs up to 90%
  • Loans amounts starting at $100,000 up to $3.5M
  • Up to 55% DTI
  • Self-employed borrowers only
  • First-time homebuyers on primary and second home transactions only, up to 50% DTI
  • Eligible on primary, second and investment property purchases, rate/term and cash-out refinances
  • Reserve Requirements
    1. Loan amounts up to $1M - minimum 6 months' reserves required
    2. Loan amounts between $1M and $2M - minimum 9 months' reserves required
    3. Loan amounts over $2M - minimum 12 months' reserves required
  • Borrowers with more than 1 financed property require an additional 2 months reserved for each financed property
  • Minimum 12 months' consecutive bank statements required
  • Two separate appraisals from two different appraisers required for loan amounts over $2M
  • Temporary Rate Buydowns eligible
  • Not eligible in West Virginia or on Texas 50(a)(6)

Your Home Loan Could Be Fully Funded 30 Days From Now

  • Fixed Rates

    Fixed Rates

  • Adjustable Rates Mortgage (ARM)

    Adjustable Rates
    Mortgage (ARM)

  • Conforming Loans

    Conforming
    Loans

  • Jumbo & Super Jumbo Loans

    Jumbo & Super
    Jumbo Loans

  • FHA, VA Loans

    FHA, VA Loans

  • Self-Employed Borrowers

    Self-Employed
    Borrowers

  • Bank Statement Loans

    Bank Statement
    Loans

  • Terms from 5 to 30 Years

    Terms from 5 to
    30 Years

Get Your FREE Bank Statement Loan Quote Now!

Mortgage rates change every day, and your rate will vary based on your location, finances, and other factors. Get your FREE customized rate comparison below:

I Want My FREE Bank Statement Loan Quote