Bank Statement Loan Program

Self-Employed Borrowers Welcome


Our bank statement program is created for self-employed borrowers to purchase or refinance a home. Since tax returns are not required, this could be a great option for credit worthy self-employed homebuyers!

We offer self-employed borrowers...
  • Loans up to $3 million
  • Up to 90% LTV
  • Credit scores starting at 600
  • Two years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
  • No tax returns required
  • Two years self-employed required
  • 1099 option available
  • 40 year fixed rate interest only available
  • Purchase and cash-out or rate-term refinance
  • 12 or 24 months business bank statements (must own at least 50% of the business)*
  • 12 or 24 months personal bank statements (must own at least 25% of the business)
  • Owner-occupied, second homes and non-owner occupied
  • Non-warrantable condos OK 



*Loan must close in borrower’s name if the business is a Limited Liability Corporations (LLC). One-month bank statement qualification not permitted.

Customer Reviews

Overall Rating:

1192 Review(s)
Denise n January 24, 2022
The service was great, I was kept updated on the status, communication was frequent and informative at each step.
Jaycee S January 24, 2022
Ariel Michelle P January 20, 2022
July A January 17, 2022
Chris P January 17, 2022
Nick and his team made it a very simple and seamless process

Get Started Today


Nick Barta

Division President | NMLS #25540
M: (303) 709-9625 | O: (303) 740-8300
Fax: (844) 222-3273

Nick Barta is authorized to do business in the states of Arizona, Colorado, Florida, Massachusetts, Texas, and Utah.
AZ License #0927129, CO License #100017626, FL License #LO3538, MA License #MLO25540, UT License #12270993