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Stated Income
Mortgage Loans

No tax returns or income docs required.
See if you qualify for a stated income loan.

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What Bank Statement Loans Offer

Below are some of the advantages that bank statement mortgage loans (“stated income mortgage loans”) offer:

Qualify with a credit score as low as 600.
LTVs up to 90% with no MI
Loan amounts up to $7,500,000.
Use your personal or business bank statements.
Option to use only 1 month’s bank statement.

How it Works

What is a bank statement loan?

A bank statement loan is a type of mortgage program that allows you to use your bank statements to verify income instead of tax returns.  These programs are intended for self-employed borrowers who are unable to qualify for a conventional loan.  Bank statement loans are often referred to as “stated income loans”, since they do not require a borrower to provide any tax returns or income documentation (just bank statements).

Who is eligible for a bank statement loan?

Any self-employed borrower may be eligible for a bank statement loan. This includes a wide range of people, such as business owners, entrepreneurs , freelancers, gig workers, contractors, and many other types of self-employed professionals.  If you are self-employed, we encourage you to see if a bank statement loan is right for you!