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Bank Statement Mortgage Loans for Self-Employed Borrowers

  • No tax returns needed
  • Down payments as low as 10%*
  • In-house underwriting means a fast and worry-free loan process
  • Borrow up to $1,250,000
  • 680 minimum credit score; $175,000 minimum loan amount*

You can now secure a home loan with bank statements if you're self-employed.

Working for yourself has advantages, but getting a non-traditional income mortgage can be challenging. With a bank statement loan, NASB will review 12 to 24 months of bank statements to calculate your qualifying income for loan approval. This unique loan option does not require personal or business tax returns, W2s, or paystubs to verify your income.* Our mortgage experts will walk you through every process step- fast and worry-free.

Bank statement loans are an excellent option for:

  • Business Owners
  • Independent Contractors
  • Entrepreneurs
  • Consultants
  • Gig Workers
  • Realtors
  • Retirees
What Our Customers Say
Alexander S., April 5, 2024
★★★★★ (5)

"I was pretty much locked in with another lender but wasn't 100% convinced. I did a Google search looking for the best mortgage options for business owners/self-employed, and NASB popped up in several places with solid recommendations. For us, it was like a final Hail Mary to ensure we looked at all possible options. We couldn't be more glad we took that last step and found you. Your speed is second to none, and the service was amazing from start to finish. Needless to say, we are also very happy with the rate that we got."
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*Bank Statement Loans require a minimum $175,000 loan amount (exceptions include mortgage products for properties located within the Greater Kansas City metro and surrounding areas), a minimum credit score of 680, and a 10% down payment with approved mortgage insurance. Contact a NASB Loan Officer for more details on the specific areas and/or zip codes excluded. Not available in New York state, the Chicago or Baltimore metropolitan areas, and not available in all locations or for all property types. Loans subject to underwriting and eligibility criteria, and other factors. Your loan officer will provide you with more information regarding Bank Statement loans and what may work best for your situation.
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NMLS ID# 400039.

Not all products are available for collateral located in all states or for all amounts. Other restrictions and limitations may apply.

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