Bank Statement Loan

The loan solution for self-employed borrowers who would rather show bank statements than tax returns.

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12 or 24 months personal or business bank statements

Jun 21, 2019, 14:08 PM

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A Bank Statement Loan may be the solution for self-employed borrowers

When you're self-employed, you don't have the luxury of being able to provide pay stubs or show net income on tax returns 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. Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without showing net income on taxes or pay stubs. We look at your income over 12 months using bank statements, and if you meet our criteria, you can get a mortgage loan with a competitive rate.

Bank Statement Loan Requirements

  • Must provide 12 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
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Cindy L.
My experience with NASB was exceptional. Everyone went above and beyond. They made the transition from applying for a loan to finalizing very easy and stress free.

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More than 63,000 home loan customers in the last decade

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99% of customers would recommend NASB

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

More than $17 billion in home loans in the last decade

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Nationally competitive products. Individualized service.