What Is a Bank Statement Loan?

If you’re self-employed or have non-traditional income, a Bank Statement Loan could be the key to homeownership—without the need for tax returns or pay stubs.

This loan program is designed with flexibility in mind, making it easier for entrepreneurs, freelancers, and independent contractors to qualify based on their actual cash flow.

How It Works

Instead of verifying income through traditional documents, a Bank Statement Loan lets you use personal or business bank statements—typically from the past 12 to 24 months—to show consistent income and financial stability.

Why Choose a Bank Statement Loan?

• ✅ No Tax Returns or W-2s Needed
  Ideal for those who don’t receive a regular paycheck.

• ✅ Higher Debt-to-Income (DTI) Ratios Allowed
  Great for borrowers with strong income but higher monthly expenses.

• ✅ Loan Amounts Up to $5 Million
  Perfect for luxury home purchases or high-value investments.

• ✅ Flexible Qualification
  Tailored for self-employed individuals, gig workers, and others with unique income structures.

Is It Right for You?

Whether you’re a first-time buyer, business owner, or investor, a Bank Statement Loan offers a practical path to home financing—without the red tape of conventional mortgage rules.

Let Trust Home Loans help you turn your income into buying power—your bank statements might be all you need to get started.