Bank Statement Loans

Flexible Mortgage Loans for Entrepreneurs, Business Owners, Freelancers and Independent Contractors

We Offer New and Improved Bank Statement Loans Without Sky-High Interest Rates

cartoon house with happy couple standing in front

No tax returns or tedious employment paperwork required.

We know traditional mortgage loans pose a serious challenge for self-employed and independent professionals because your tax returns don’t reflect your full income and financial capabilities. Bank statement loans allow you to purchase or refinance a home without the use of traditional income documentation. Instead, you can qualify based on your bank statements - either personal or business.

Don’t miss out on your dream home. Pre-approval only takes 24-48 hours.

Bank Statement Mortgage

A self-employed loan solution tailored to your individual needs

Enjoy market leading unbeatable 30-year fixed rates (buydown available)

Flexible Loan Terms

30 year fixed, and 40 year fixed-interest only (10 year I/O period).

Loan amounts from $250,000 to $5 Million

12 to 24 months business or personal bank statements to income qualify

Purchase a home with as little as 10% down

Refinance cash-out up to 85% of property value

Flexible Property Types

Single family, condo, townhomes, and 2-4 units.

Purchase or refinance your primary residence or vacation and investment properties.

Interest Only Options

No (MI) mortgage insurance is required.

Fast Approval

Get Pre-Approved in just 24-48 hours and know your rate and closing costs from the very start.

Calculate Your Mortgage Payment Now

Get the best Self-employed bank Statement Loan programs today.

Great Bank Statement Loan Mortgage Rates!


Bank Statement Home Loans

12-Month Bank Statement Program

Bank Statement Mortgage Loans

Self-employed bank statement mortgage

Bank Statement Loan Program

Best bank statement mortgage lenders

How do Bank Statement Loans work?

Download our free eBook below to learn the ins and outs of bank statement loans and everything you need to know to apply and qualify for your loan.


Happy couple signing mortgage contract

A more creative way to finance real estate.

Bank Statement Loans aren’t your traditional residential mortgages. Your approval will rest on your experience and the money you’re actually putting in the bank, not tedious documentation, making these loans an ideal option for small business owners, Entrepreneurs, independent contracts, and freelancers.

What Our Self-Employed Borrowers Think

Darrin and team is superb! I had a stress free less than 30 day closing on my new investment property purchase. They did a “No Doc” loan for me where they only had a credit report requirement. The team is very responsive and kept me updated…

Sharmila S.

We used HomeLife for a bank statement loan since we are self employed and this was a fantastic experience! The entire team, Jayne, Darrin, Esther and everyone at HomeLife was a pleasure to work with and super responsive. I would highly recommend…

Amber A.

I would highly recommend Darrin Seppinni for your loan. I am here to say you do not have to go anywhere else. This great man and his wife Jayne and their staff got my wife and I a loan on a home with a 21 day escrow in the hottest sellers’ market…

Douglas Pettibone

I can't say enough good things about this company. Without them, I'd not be in the new home we dreamed of. As long as my tax returns don't support the mortgage value I need, these guys will be my first call! I've already referred 3 friends...

Sean M.

Shop for a home with confidence


Get a Consultation

Expert advice, discuss qualifications, and get informed on the step by step process.


Loan Approval

Get a full underwritten Pre-Approval in just 48 hours. Know your rate and closing costs from the very beginning. Never second guess yourself again.


Closing Time

Appraisal plus final underwriting to Close in 30 days or less. We make it easy for you.