888-677-2526

Jumbo Bank Statement Loans for the Self-Employed

If you are self-employed and need a larger mortgage in California, Florida, or Texas—but you have been told your tax returns don't show enough income to qualify—you are in the right place.

  • Competitive rates — for qualified borrowers, as competitive as full-doc jumbo
  • No-point and no-origination-fee options available
  • Loan amounts from $1 million to $5 million and above
  • The experience and lender relationships to close your loan

Available in: California, Florida, and Texas

Call Today 888-677-2526
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Soft credit pull upfront. No impact on your credit score. No obligation.

Prefer to talk it through? Call Darrin Seppinni today: 888-677-2526

Know Your Rate, Cost, and Payment Before You Move Forward

A larger mortgage deserves more than a generic rate quote. HomeLife reviews your bank-statement income and loan goals, so you understand what to expect.

The Myth

A bank statement jumbo loan means a much higher rate.

vs

The Reality

For qualified borrowers, Jumbo Bank Statement rates can be as competitive as fully documented jumbo mortgages—without using tax returns to qualify.

Qualify on Your Real Income — Not Your Tax Return

No tax returns required for qualifying income

No W-2s. No pay stubs. Just your real income deposits

Loan amounts from $1 million to $5 million and above

Know your closing costs upfront — no surprises

No-point and no-origination-fee options available

Qualify using 12–24 months of personal or business bank statements

Competitive rates — as competitive as full-doc jumbo for qualified borrowers

Choose the Structure That Fits Your Plan

At jumbo loan amounts, the right structure can mean a meaningfully lower payment—especially if you expect to hold the mortgage only a few years.

30-year fixed

Full payment stability for the life of the loan.

40-year fixed

A longer term for a lower monthly payment.

Adjustable-rate mortgages

A lower initial rate, fixed for a set period.

Interest-only options

Available on select programs for lower initial payments.

Purchase or Refinance.
Built for Your Goals.

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Buying a home

Qualify for a larger mortgage using your bank statements. Down payment as low as 15% depending on loan amount, credit, and occupancy. Primary residence, second home, or investment property.

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Rate-and-term refinance

Lower your rate or change your term—qualifying on bank-statement income, not tax returns.

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refinance-couple

Cash-out refinance

Access your equity up to 80% loan-to-value—depending on loan amount—for business growth, reserves, or your next property.

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Why Choose HomeLife for Your Jumbo Bank Statement Loan?

A larger, complex loan needs more than a rate quote—it needs a lender with the experience and relationships to actually close it.

  • Competitive rates — and we shop your file to find them
  • Deep jumbo and bank-statement experience — specialized in larger self-employed files since 1990, over $4 billion funded
  • The relationships to get it done — underwriting and pricing experience on complex, high-dollar files
  • A clear upfront review — your bank-statement income, loan amount, rate, payment, and closing costs before you move forward
self-employed-woman

Excellent

on Trustpilot

Since 1990

specialized in larger self-employed files

$4B+

in mortgage loans funded

3

states: California, Florida & Texas

JUMBO BANK STATEMENT LOAN

Frequently Asked Questions

Straight answers to what self-employed borrowers ask most about qualifying for a larger mortgage without tax returns.

No. A Jumbo Bank Statement Loan qualifies your income using 12 to 24 months of personal or business bank statements instead of tax returns. No W-2s or pay stubs are required.

 Loan amounts typically range from $1 million to $5 million and above, depending on the property, credit profile, reserves, and program.

Not always. For qualified borrowers, Jumbo Bank Statement rates can be as competitive as fully documented jumbo mortgages. Comparable pricing is not available in every scenario.

When available, these options reduce certain upfront lender charges in exchange for a different interest rate. They do not eliminate third-party closing costs such as appraisal, title, escrow, insurance, taxes, or recording charges.

30-year fixed, 40-year fixed, adjustable-rate mortgages (ARMs), and interest-only options on select programs. The right structure depends on your rate goal and how long you expect to keep the mortgage.

California, Florida, and Texas.

HomeLife can provide rate and cost options in as little as 48 hours after your information and soft credit pull are received. The soft credit pull does not affect your credit score.

Ready to See What You Qualify For?

Self-employed and need a larger mortgage in California, Florida, or Texas? Get a quick quote today and know your rate, payment, and closing costs from the very start.

Get My Quick Quote Call Today 888-677-2526
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