Loan Program
Bank Statement Loans
Alternative income documentation for self-employed borrowers.
Who this program may fit
Self-employed borrowers whose tax-return income may not reflect their full financial picture.
Common uses
- Primary home purchase
- Refinance
- Investment property (program-permitted)
Key considerations
- Uses 12–24 months of personal or business bank statements instead of tax returns
- Larger down payments are typically required
- Rates and terms differ from conventional programs
- Subject to program guidelines and lender availability
Documents commonly requested
- 12–24 months of bank statements
- Business license or formation documents
- P&L statements (where applicable)
- CPA letter (where applicable)
The process
- 1Review your self-employment income structure
- 2Compare bank-statement and traditional options
- 3Complete a secure application
- 4Underwriting and property review
- 5Clear to close and closing
Frequently asked questions
Ready to compare your options?
Schedule a strategy call tailored to your goals, income, and timeline.
This is not a commitment to lend. All loans are subject to credit approval, property approval, program guidelines, and applicable terms. Programs, rates, terms, and conditions are subject to change without notice. Not all applicants will qualify. Equal Housing Opportunity.
Angel Taipale, NMLS #1736690 — Bright Horizon Lending Inc., NMLS #2565670. Verify on NMLS Consumer Access