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Purchase a new home or refinance an existing loan using only bank statements to qualify. No w2's, tax returns or pay stubs required!
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Our Bank Statement Only Loan is designed for self-employed borrowers, entrepreneurs, and business owners who don’t fit the traditional W-2 mold. Instead of tax returns, you can qualify using 12 or 24 months of your personal or business bank statements to showcase your real income flow.
This program looks at your true financial picture—not your write-offs—making it easier to get approved with flexible terms, competitive rates, and financing options up to 90%. Whether you’re purchasing, refinancing, or taking cash out, our bank statement loan helps you turn your deposits into homeownership. Let your income work for you, not against you.
Many deals are processed and submitted to underwriting same day
Loans available in all states except New York
640+ Fico Score Required. The higher the score, the more options available
Access to over 150 wholesale lenders which mean more program and interest rate options.
Use this program to Purchase, Refinance and Cash-Out
Use this loan program to purchase a Primary residence, Investment property or second home.
See how quick and efficient our Bank statement closings are. Our goal is to get you and your family into a home FAST!
Committed to giving you all the support and guidance you need.
Checking, savings, business accounts — all acceptable.
With the ability to do a soft credit check, you can avoid any impact to your credit score
Once the form is submitted, you can expect loan and program options in as quick as 1-2 hours. Once under contract on a home using the program, we average 12 day closing. We pride ourselves in moving quick and efficient.
With bank statement only financing, you will NOT be required to submit any income documents outside of bank statements. No Tax Returns, w2's or pay stubs required.
The main documents that will be requested once you are ready to move forward are 12-24 months worth of bank statements to calculate your income, Copy of Photo ID and Credit report.
Choose from 12 or 24 months of business or personal bank statements to qualify.
Once the form is submitted, you can expect loan and program options in as quick as 1-2 hours. Once under contract on a home using the program, we average 12 day closing. We pride ourselves in moving quick and efficient.
With bank statement only financing, you will NOT be required to submit any income documents outside of bank statements. No Tax Returns, w2's or pay stubs required.
First you will decide if you want to use 12 or 24 months of bank statements. We will then add up all business related deposits over that period and divide by 12 or 24 months. One we have the number, we will multiply by an expense ratio related to your type of business.
Check out some of our recent closing for our self employed borrowers.
Monday - Friday 9 a.m. - 5 p.m.
Saturday - 9 a.m. - 5 p.m.
Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | AL 22977 | AK AK181106 | AZ 0904774 | AR 124815 | CA 60DBO-46052 & 41DBO-148702 Licensed by Dept. of Financial Protection & Innovation under the California Residential Mortgage Lending Act. Loans made or arranged pursuant to a California Financing Law License | CO | CT ML-181106 | DE 029971 | DC MLB181106 | FL MLD1880 | GA 181106 | HI 181106 | ID 2080181106 | IL MB.6761630 view reinvestment notice barrettfinancial.com/illinois-reinvestment | IN 181106 | IA 2021-0157 | KS MC.0025726 | KY MB757252 & MC763707 | LA | ME 181106 | MD 181106 | MA MC181106 & MC181106 Mortgage Broker and Lender | MI fl0022342 | MN MN-MO-181106 | MS 181106 | MO 181106 | MT 181106 | NE | NV 5091 | NH 24338-MBR | NJ | NM | NC B-203722 | ND MB103863 | OH RM.804600.000 | OK ML013880 | OR | PA 92105 | RI 20224347LB | SC MLS – 181106 | SD ML.05340 | TN 204577 | TX view complaint policy at barrettfinancial.com/texas-complaint | UT 11368611 | VT LL-181106 & MB-181106 | VA MC-7357 & MC-7357 | WA MB-181106 | WV MB-181106 & ML-181106 | WI 181106BA & 181106BR | WY 4211 | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106