Looking for Commercial Loan or Non-QM Financing — No W-2 Required. Give Capital Funding and Mortgage a call and find the right program for you.

NMLS ID

#71107

Bank Statement Loan

Ideal for self-employed borrowers using bank statements for income verification.

Overview

Our Bank Statement Loan program is designed specifically for self-employed individuals who may not have traditional W-2 income or tax returns that accurately reflect their cash flow. We use 12 or 24 months of personal or business bank statements to qualify income, offering a flexible solution for entrepreneurs and small business owners looking to purchase or refinance a home.

Eligibility Criteria

Self-employed for at least two years, minimum credit score of 620, 12 or 24 months of bank statements, minimum down payment of 10%.

Key Benefits

No tax returns required, competitive rates, flexible income calculation, suitable for a wide range of property types.

Ready to Apply?

Contact our team to learn more about this loan program and start your application.