Bank Statement Loans
Your tax returns may not tell the whole story. For eligible self-employed borrowers, bank statement programs may offer another way to document income.
Financing for business owners and self-employed borrowers.
Bank statement mortgage programs are designed for certain borrowers whose income may be difficult to represent using conventional tax-return calculations. Program rules vary by lender.
Business owners
If business deductions make taxable income look lower than cash flow, a bank statement program may be worth exploring.
Independent contractors
Eligible borrowers with consistent deposits may have an alternative way to document income.
Freelancers and consultants
For borrowers with variable or multiple income sources, the right program may provide another qualification path.
Commission-based earners
Some programs may accommodate certain nontraditional income patterns, subject to documentation and underwriting.
What should you expect?
Review deposits
Eligible programs may review a defined history of personal or business bank statements.
Understand expenses
Business expense factors and allowable income calculations depend on program guidelines.
Compare options
Rates, down payment, reserves, credit and property requirements vary by lender and scenario.
Start with a conversation.
Tell me how you're paid, what you're looking to finance, and what questions you have. We can discuss whether a bank statement option may make sense.
Contact ChrisChris Weir
CDL Mortgage Services, Inc.
NMLS #1838430 · California DRE #01858112
Let's talk about your mortgage goals.
Share a few details and your questions. No obligation, no credit check, and no sensitive financial information requested.
Find Out More Call 949-562-4480