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Self Employed - Bank Statement Loans

Services for Real Estate Pros with Eric J - Dream Home Financing

Self employed individuals have often struggled to find loans to purchase a home. While they are taking legal tax deductions as business owners, those deductions result in a very low net income on their tax returns. This low net income prevented them from qualifying for a loan.

The good news is there is loan program today for self employed individuals. It is called a 12-24 month bank Statement Loan. With this program, business owners provide 12-24 month's bank statements (both business and personal) to show that they have monthly deposits coming in. A percentage of those average monthly deposits are used as income. No tax returns are required!


  • Minimum of 10% down
  • Credit Scores as low as 500 with compensating factors
  • Primary Residence only
  • Purchase or Refinance bank statement loan
  • 12-24 Month's bank statements needed depending upon the lender

Click to connect with us and get a quote for a bank statement mortgage

Check out this Arm Mortgage Calculator if you think you may be interested in an adjustable mortgage.

We are able to help you to find a bank statement loan with the best bank statement lenders in all 50 states.

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Myrl Jeffcoat
Sacramento, CA
Greater Sacramento Realtor - Retired

This is important information for self-employed home buyers.  It can make a real difference.

Oct 28, 2018 11:33 AM
Eric J

Absolutely. Without programs like this self employed individuals are not going to participate in the real estate market.

Oct 28, 2018 12:14 PM