Bank Statement Loan

Loan options for self-employed borrowers

Apply for a Bank Statement Mortgage Loan

When you're self-employed, you don't have the luxury of being able to provide endless income documentation when you're trying to secure a mortgage loan. Not having these required documents can make getting approved difficult, even if you have good credit.

At NASB, we've created a Bank Statement Loan program that allows self-employed borrowers to seek a mortgage loan without tax forms or pay stubs. We look at your cash flow over 12 or 24 months using bank statements, and if you meet our criteria, you may qualify for a mortgage loan. 


Advantages of a Bank Statement Loan

  • No tax returns required
  • You can borrow up to $1,000,000
  • Just need 12 or 24 months of personal or business bank statements


Find out if you qualify for a Bank Statement Loan today!

By clicking the Submit button you agree that you are providing an electronic signature expressly authorizing NASB to contact you by telephone at any of the telephone number(s) provided above using an automatic telephone dialing system or an artificial or prerecorded voice or via text/SMS message, even if the telephone number is assigned to a cellular telephone service or other service for which the called party is charged. NASB may also contact you via email using any email address you provided. This authorization overrides any previous registration on a federal, state or corporate Do Not Call Registry or any internal NASB privacy or solicitation preference you have previously expressed. You are not required to provide this authorization as a condition of purchasing any property, goods or services from NASB. As an alternative, you may call us directly at (866) 627-7119 and we will process your request over the phone.

Bank Statement Loan Requirements

  • Must provide 12 or 24 months of consecutive bank statements from the same account.
  • 700 Minimum FICO score
  • 45% Maximum debt-to-income ratio
  • $1,000,000 maximum loan amount, $100,000 minimum
  • Must escrow for taxes and insurance
  • Minimum of 2 years self-employment

99% Customer Recommendation Rating*

Everyone I dealt with was a top notch professional.  It makes me even prouder having served my country, knowing I got this type of excellent treatment.  Thank you NASB and everyone involved.  Someday I would like to meet each and everyone involved in this transaction, you people are what America is made of, thank you again for the smooth transaction.

- John from Indiana


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My loan officer was always available to me, even when I would leave a message he would get back to me promptly. While working with NASB, I felt like he was working for me and not just his company. His team was very helpful in gathering information to complete my loan.


- Tracey from Oregon


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NASB and its staff are awesome. They actually have their act together and can help you navigate through the entire process with ease. This is my 3rd loan through them. I would highly recommend.


- Dale from Maryland

*Based on 2,615 NASB closed loan customer surveys from 1/1/2018 to 5/28/2019