12/24 Month Bank Statement Loans
12- & 24-Month Bank Statement Loans are designed for self-employed borrowers and business owners. No tax returns required—qualify using personal, business, or combined bank statements to showcase income.
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Credit Score
LTV for
Purchase/Refinance
Fully Amortized
Maximum Loan Amount
Program Highlights:
12-or 24-Month Bank Statements Accepted – Borrowers can qualify using personal, business bank statements, or both for the last 12 or 24 months, offering more flexibility compared to traditional loan programs.
Self-employed Borrowers or Business Owners – Ideal for entrepreneurs, freelancers, contractors, or other self-employed individuals who may not have consistent tax returns or traditional income documentation.
Loan Amounts Up to $3M – We offer substantial loan amounts, making it easier for your borrowers to secure financing they need for higher priced properties.
LTVs Up to 85% – High loan-to-value ratios are available, enabling borrowers to secure loans with a smaller down payment.
