Bank Statement Loans

Top Reasons to Choose a Bank Statement Loan
Unlock homeownership or investment opportunities with a loan designed for self-employed borrowers.
Our Bank Statement Loans use your true financial strength — not traditional tax returns — to help you qualify with confidence.
Enjoy flexible documentation, fast approvals, and lending programs built around your business cash flow.

Benefits & Features

Flexible Income Verification
Qualify using 12 or 24 months of business or personal bank statements — no W-2s or tax returns required.

Ideal for Self-Employed Professionals
Perfect for business owners, contractors, freelancers, and entrepreneurs whose income varies month to month.

True Cash-Flow Qualification
We evaluate your actual deposits to reflect your business performance, not taxable income after deductions.

Simplified Process
Quick documentation review, expert guidance, and faster underwriting — making it easier to close on your dream home or investment property.

Key Advantages
– Tailored programs for small business owners and independent professionals.
– Available for both purchase and refinance loans.
– Flexible loan amounts and repayment structures.
– Competitive options for primary, secondary, or investment properties.

Long-Term Value
Build credit strength while maintaining access to flexible mortgage solutions for future investments.

Eligibility & Documentation

Who Can Apply
– Self-employed individuals or business owners with verifiable bank deposits.
– Borrowers seeking an alternative to traditional income verification.
– Investors or contractors with seasonal or project-based income.

Required Documentation
– 12 or 24 months of consecutive personal or business bank statements.
– Business license or proof of self-employment.
– Identification and proof of U.S. residency.
– Property purchase or refinance details.

Fast, Transparent Processing
Our dedicated Non-QM team ensures a smooth review and quick loan approval process.

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How It Works

Simple Process — Built for Busy Professionals

Step 1 — Consultation
Meet with one of our loan specialists to discuss your financial goals and review your bank statements.

Step 2 — Review & Qualification
We analyze your deposits to determine qualifying income — no need for tax returns or complex paperwork.

Step 3 — Program Selection
Choose from several flexible Bank Statement Loan programs tailored to your property type and goals.

Step 4 — Approval & Closing
Enjoy quick approvals, guided support, and smooth closing with transparent communication every step of the way.

Ideal for: self-employed borrowers who value flexibility, privacy, and time-efficient financing.

Exclusive Benefits

Dedicated Loan Experts
Work directly with our Bank Statement Loan specialists who understand the needs of self-employed clients.

Tailored Loan Programs
We offer diverse options based on your deposit history, business type, and financial profile.

Flexible Qualification
Your real income — not your tax returns — defines your eligibility.

Fast Turnaround
Get pre-qualified in days with digital submissions and simplified documentation.

Nationwide Availability
Mortgage Property Investment partners with leading Non-QM lenders across the U.S. to offer you competitive solutions wherever you are.

Bank Statement Loans