Jumbo Bank Statement Loans Designed for the Self-employed

Flexible Qualifying with Alternative Income Documentation

Jumbo loan amounts with low rates and flexible qualifying to fit your needs

Whether you’re buying a pricier home or need a higher loan amount for your cash-out refinance, a jumbo bank statement loan is a great option with these benefits:


  • Enjoy higher loan amounts. Our Jumbo Bank Statement Loans go up to 10 million
  • Enjoy market leading unbeatable 30-year fixed rates (buydowns available)
  • Interest only option, 40-year fixed term, 10-year interest only period
  • Minimum 700 middle fico score
  • Interest only payment calculation; loan amount x interest rate divided by 12 months
  • Flexible debt-to-income ratio of up to 50%-55% in some cases
  • All kinds of property types qualify: Single family, PUD’s, Townhomes and Condos
  • Occupancy: primary, second home, and investment property
  • You’ll only need 10% down when buying a home and no MI (mortgage insurance) is required
  • For a cash-out refinance you can finance up to 80% of your home’s value

Your Dream Home Is Waiting


Tax Returns Don’t Reflect Your Actual Income?

The good news is you still have options. Jumbo Bank Statement Loans offer borrowers an easier application process and an alternative method to income qualify.

With these loans you get to:
  • Increase your chances of approval - Your approval will rest on the money you’re actually putting in the Bank each month – Not tax returns, profit and loss statements, and balance sheets.
  • Avoid tedious paperwork and documentation - Show your success with solid bank deposits, balances, and consistent incoming sales.
  • Let your achievements do the talking - Use your certifications, licenses, and experience to show you’re just as reliable as a 9-5 worker.

Calculate Your Mortgage Payment Now

30 Years of Excellent Service

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.

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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.