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USA Mortgage Solutions

Loan Programs

Bank Statement

Bank statement loans are designed for self-employed borrowers and business owners, qualifying income from your deposits rather than tax returns.

Key benefits

  • Qualify using 12–24 months of bank statements
  • No tax returns required to document income
  • Ideal for self-employed and 1099 earners
  • Flexible for borrowers with strong cash flow but complex taxes

What you'll need

  • Typically 12–24 months of personal or business bank statements
  • A larger down payment and reserves are often required
  • Qualifying credit; this is a non-QM program

Best for

Self-employed borrowers whose tax returns understate their true cash flow.

This is an estimate for educational purposes only, not a commitment to lend or an offer of credit. Actual rates, payments, and costs depend on your credit, income, property, and loan program.