12-Month Bank Statement Loans
Home Financing for Self-Employed & 1099 Borrowers
Traditional tax returns don't always reflect your true income. Our 12-Month Bank Statement Loan Program allows self-employed and 1099 borrowers to qualify using 12 months of personal or business bank statements instead of tax returns.
Whether you're purchasing a home or refinancing, this program offers a flexible alternative designed specifically for today's entrepreneurs and independent professionals.
Program Highlights
- Qualify with 12 months of bank statements
- No tax returns required (No 1040s, 1120s, K-1s, or IRS transcripts)
- Up to 90% LTV for Purchases
- Up to 80% LTV for Cash-Out Refinances
- Minimum 600 FICO
- Loan amounts up to $4 Million
- Available for Self-Employed and 1099 Borrowers
- No 4506-C/T, No K-1s, and No Profit & Loss Statements
- No Mortgage Insurance (MI)
- No reserves required for loans at 75% LTV or less
A Smarter Way to Qualify
If you're self-employed, own a business, work as an independent contractor, or receive 1099 income, our Bank Statement Loan Program makes it easier to qualify without the paperwork required by traditional lenders.
Our experienced loan specialists will guide you through the process and help you find the financing solution that best fits your financial goals.
Contact us today to learn more about our 12-Month Bank Statement Loan Program and see if you qualify.