Your bank statement loan library.
Start with the fundamentals, work through the requirements, or find the detail you need.
Understanding the loan
The fundamentals, the income calculation, and the trade-offs.
- How bank statement loans work
Understand how bank statement mortgages use deposits to document income, how expense factors work, and which trade-offs to consider.
10 min read - The pros and cons
Compare the documentation benefits, expense factors, down payments and borrowing costs of bank statement loans.
11 min read - Bank statement vs. conventional
Compare bank statement vs conventional mortgages for self-employed borrowers. Learn how each lender calculates income, what the loans cost, and which to check first.
12 min read - Bank statement vs. DSCR
Compare bank statement vs. DSCR loans by property type, income, rental cash flow, down payment and costs. Learn which questions to ask before choosing.
12 min read
Qualifying and preparing
What lenders look for, what to gather, and what to budget.
- Requirements and documents
Understand the bank statements, credit, business history, down payment and reserves a lender may ask for.
11 min read - Down payment and LTV
Understand down payment and loan-to-value tiers, mortgage insurance, closing costs and cash reserves for bank statement loans.
9 min read - 12 or 24 months of statements?
Learn why bank statement loans typically use 12 or 24 months of deposits, and how that differs from verifying assets for other mortgages.
7 min read - 12 vs. 24 months compared
Compare 12- and 24-month bank statement loan programs. See how each uses your deposits, what changes your qualifying income, and when each option may help.
9 min read - Personal bank statements
Learn how lenders use personal bank deposits to calculate self-employed income for a mortgage, and when business statements may work better.
11 min read - Business bank statements
Learn how business bank statement mortgages turn eligible deposits into qualifying income, how expense factors work, and what to ask lenders.
12 min read
Loan types and uses
Refinancing, home equity, jumbo and construction loans, and buying a rental, on bank statement income.
- Investment property
Can you buy a rental with a bank statement loan? See how lenders weigh your deposits, the rent, DTI, down payment and reserves, and when to compare a DSCR loan.
13 min read - Refinancing
Learn how bank statement refinancing works, including cash-out and rate-and-term options. See how lenders assess income and how to compare refinance costs.
11 min read - HELOCs and home equity loans
Learn how a bank statement HELOC uses deposits to qualify, what an initial draw requirement can cost, and when a HELOC may beat a cash-out refinance.
15 min read - Jumbo loans
Learn what makes a bank statement loan jumbo, how self-employed income is calculated, and why down payment, reserves and credit matter on larger mortgages.
10 min read - Construction loans
Learn how self-employed borrowers can use bank statements to qualify for a construction loan, how builder draws work, and what happens when the home is finished.
12 min read
Rates and lenders
Put published rates in context and ask better questions.
- Rates and pricing
Explore the supplied July 2026 rate snapshot, credit and LTV pricing examples, and how to compare written loan offers. Not current quotes.
11 min read · July 2026 snapshot - Comparing seven lenders
Compare seven bank statement loan lenders using the July 2026 source materials, with program criteria and questions to ask before choosing.
11 min read
Checklists and tools
Printable checklists, a lender comparison worksheet and an income calculator.
- Income calculator
Bank statement loans qualify you on deposits, not tax returns. Enter your deposit history to see how much of it a lender is likely to count as income — and exactly where the rest goes.
Interactive tool - Document checklist
Documents to gather before you apply: bank statements, business records, income-calculation documents, funds for closing, and personal and property documents.
Printable - Gift funds checklist
Documents to gather for a mortgage gift: the gift letter, donor funds and source records, transfer records, and documents for special situations.
Printable - Lender questions worksheet
A side-by-side worksheet for comparing three lenders on the expense factor, counted deposits, statement period, mortgage insurance and loan features.
Printable