#1 Trusted Source for Bank Statement Loans in California

In the dynamic landscape of California’s real estate market, staying abreast of the latest trends for bank statement mortgage loan programs is crucial for buying or refinancing a home.

Choosing HomeLife Mortgage for a Bank Statement Loan can offer several advantages, particularly for self-employed individuals or those with non-traditional income sources. Here are some key reasons why HomeLife Mortgage might be a good choice for this type of loan.

Discover unrivaled bank statement loan programs specifically designed for self-employed individuals in California.

Tailored for Self-Employed Borrowers

HomeLife Mortgage understands the unique financial situations of self-employed individuals, freelancers, and gig workers. They offer bank statement loans specifically designed to assess income through bank statements rather than traditional pay stubs and tax returns.

Flexible Income Verification

Instead of relying on W-2 forms or tax returns, HomeLife Mortgage uses 12-24 months of bank statements to verify income. This approach can be beneficial for borrowers who have fluctuating or irregular incomes.

Take Advantage of Market Leading Bank Statement Loan Rates

HomeLife Mortgage offers competitive interest rates and flexible terms for their bank statement loans, making it easier for borrowers to find a loan that fits their financial needs and budget.

We work Tirelessly to secure the lowest bank statement loan rates for you, guaranteeing that you receive the most favorable rates and terms compared to other offerings in the market.

Simplified Application Process

The application process for a bank statement loan with HomeLife Mortgage is streamlined and straightforward, reducing the paperwork and time typically required for traditional mortgage applications.

Experienced Loan Officers

HomeLife Mortgage employs knowledgeable and experienced loan officers who can guide borrowers through the process, offering personalized assistance and ensuring that all questions are answered.

Custom Loan Solutions

They provide customized loan solutions tailored to individual financial situations, helping borrowers secure financing even if they don’t fit the traditional lending criteria.

High Approval Rates

With their flexible underwriting guidelines, HomeLife Mortgage often has higher approval rates for bank statement loans compared to traditional lenders.

Strong Customer Support

HomeLife Mortgage is known for its strong customer support, providing timely updates and transparent communication throughout the loan process.

Positive Customer Reviews

Many borrowers have positive experiences with HomeLife Mortgage, praising their efficiency, helpfulness, and the ease of obtaining a loan.

Get Access to The Leading Bank Statement Loan Programs

Unbeatable 30-year fixed Bank Statement Loan Rates
Interest only option, 40-year term, 10-year interest only period
Loan amounts from $250,000 to $5 Million

Purchase a home with little as 10% down
Refinance cash-out up to 85% of property value
Property types: Single family, condo, townhome, and 2-4 units

Get a fast pre-approval in just 24-48 hours

Know your rate and closing costs from the very start

Getting pre-approved for a bank statement loan can help you gauge what interest rate you can expect – as well as determine an appropriate price range to shop in. Ready to get pre-approved for your bank statement loan? Reach out to HomeLife mortgage today.

Get Pre-Approved Now

The Ultimate Guide to Bank Statement Loans eBook

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

Questions?

Click the live chat window on our site or call (888) 677-2526. Our team is ready to assist you!

About HomeLife Mortgage

For more than 25 years, HomeLife Mortgage has built a strong reputation in California and Florida as a leading mortgage broker, servicing the needs of borrowers who have been unable to obtain conventional financing. HomeLife Mortgage is at the forefront of non-bank lending offering the next generation of mortgages including Jumbo Loans, Real Estate Investor Loans, and Bank Statement Loans.

Darrin Seppinni

Dear valued HomeLife Mortgage community, I am delighted to extend my warmest welcome to you all. I am Darrin Seppinni, and I have had the privilege of serving the mortgage industry for over four decades. Throughout my career, I have witnessed the ever-evolving landscape of mortgage lending and have strived to stay at the forefront of innovative loan products that cater to the unique needs of borrowers. At HomeLife Mortgage, we provide you with a range of alternative mortgage lending programs that can address a variety of financial situations. Whether you are a self-employed individual seeking a bank statement loan, a real estate investor looking for a no-hassle, No income doc loan, or someone in need of a Jumbo loan-banks won’t do, we have the expertise and solutions to assist you. One of my greatest passions is education. I firmly believe that informed borrowers make the best decisions for their financial futures. To that end, I have authored 'The Mortgage Originator Success Kit,' a comprehensive resource published by McGraw Hill, and two eBooks available on our website: 'The Ultimate Guide to Bank Statement Loans' and 'The Ultimate Guide to DSCR Rental Loans.' These resources are designed to empower you with knowledge so you can make confident choices about your mortgage needs. Together, we can navigate the world of mortgage lending and find the right solutions for your financial goals. Warm regards, Darrin Seppinni President, HomeLife Mortgage