Bank Statement Loans are Available!

Receive a quote on a bank statement loan today.

Bank Statement Mortgage Loans for Self-Employed Borrowers

bank statement loan, bank statement loans for self-employed

About Bank Statement Loans

Bank Statement Loans gives self-employed borrowers the opportunity to own a home when they don’t necessarily meet the strict guidelines of conventional loans. By considering a broader range of income sources and providing a more accurate representation of cash flow, bank statement loans can also potentially qualify self-employed individuals for higher loan amounts than they might obtain through traditional mortgages. By focusing on bank statements, these loans provide a more accurate representation of a borrower’s financial situation. They consider deposits and account balances over an extended period, providing a more holistic view of income and cash flow.

Acadia Lending Group is here to make the home loan process easier, with tools and knowledge that will help guide you along the way, and the first step is seeing how much you can afford and getting prequalified. We’ll help you see the differences between loan programs, allowing you to choose the right one for you, whether you’re a first-time home buyer or a repeat buyer. You can learn even more about bank statement loans in our blog article.

Who Are Bank Statement Loans For?

Bank Statement Loans are popular with the following borrowers:

  • Business owners
  • Freelance employees
  • Consultants
  • Contract workers
  • Independent contractors
  • Sole proprietors
  • Gig workers
  • Realtors
  • Entrepreneurs
  • Self-Employed


How the Bank Statement Loan Process Works:

  • Complete our simple Pre-Qualification Questionnaire
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs

Why a Bank Statement Loan?

A bank statement loan is a type of loan for self-employed individuals, that deviates from the traditional approach of income verification. Instead of relying solely on tax returns and pay stubs, bank statement loans consider a borrower’s business or personal bank statements as a primary factor in determining eligibility. This provides flexibility for those whose income might not be accurately reflected through standard documentation.

  • Non-QM
  • 12 or 24 month Business or Personal bank statements
  • 1099
  • Asset Qualifier
  • P&L Statement Only
  • DSCR

Get Your Bank Statement Loan Quote Now!

"*" indicates required fields