Self-employed? Your bank statements can tell the story your tax return doesn’t.
Bank Statement loans qualify you off real deposits, not the taxable income your accountant worked hard to minimize.
Equal Housing Opportunity
Built for the self-employed reality.
If you’re self-employed or run a 1099-based business, your tax returns are often optimized to reduce your taxable income — which is smart tax planning, but it can work against you when a lender is trying to verify income the traditional way. Bank Statement loans exist to solve exactly that mismatch, by looking at what actually moves through your accounts.
Deposits, reviewed over time.
Rather than tax returns, underwriting reviews a period of your personal or business bank statements to establish a picture of your cash flow. The exact lookback period and how deposits are treated vary by investor — which is why we walk through it with you directly rather than publishing one-size-fits-all numbers (see below).
Available nationwide for qualifying business-purpose transactions — not limited to California. The loan programs on this page are business-purpose loans for non-owner-occupied investment or business property — they are not intended for personal, family, or household use. Because they’re business-purpose loans, we offer them nationwide, separately from our California-only consumer home loan programs. This page is general program information, not a set of loan terms, a commitment to lend, or an offer of credit.
Wondering if you’d qualify? Every wholesale investor sets their own guidelines, and the specific numbers — minimum credit score, maximum loan-to-value, qualifying ratios — genuinely vary from loan to loan. Rather than guess at figures here, we’ll walk you through current guidelines for your specific scenario using the same investor relationships we place these loans through. Contact us → and let’s talk about your situation directly.
Get pre-qualified for a Bank Statement loan.
Rates, programs, and terms are not guaranteed and are subject to borrower qualification and final lender approval. This is not a commitment to lend.
Nationwide Funding Group Corp, a licensed mortgage lender and mortgage broker | 350 S Crenshaw Blvd, Ste A206A, Torrance, CA 90503 | (310) 961-9750 | NMLS #98906 | CA DRE Corporation License #01801836 (licensed, active, since 2007) | Broker of Record: Alexander J. Gonzalez | NMLS #98329 | CA DRE #01384006 | Equal Housing Opportunity | NMLS Consumer Access → | Licensing & Disclosures | Privacy Policy | Terms of Use | Accessibility Statement | This is not a commitment to lend. All loan programs are subject to borrower qualification, property eligibility, and lender approval, and are not guaranteed.