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Our Bank Statement Mortgage program is a perfect fit for Self-Employed Borrowers who prefer to use business or personal bank statements to document their income instead of tax returns.

Program Highlights:

  • 12 months of business or personal bank statements
  • Most property types
  • Cash-out Refinancing up to $500,000
  • Financing up to 90% Loan to Value (10% down)
  • No tax returns, No 4506
  • Competitive rates
  • Fast turn times


  • 640+ Credit Score
  • 2+ years of same income source
  • No bankruptcy, foreclosure, or short sale in the past 18 months
  • To determine monthly income add 24 months of consecutive deposits from your personal or business bank statements, take 50% of that amount, and divide it by 24. This will equal your monthly income. Insert this figure in the Gross Monthly Income section of the application and make a note under "Other Income" that you used bank statements

Apply Today, No Obligation!  

 Offered in NYS only. 

*Terms and restrictions apply