Home Loans · No Tax Returns

12-Month Bank Statement Loans

Home Financing for Self-Employed & 1099 Borrowers

Traditional tax returns don’t always reflect your true income. Our 12-Month Bank Statement Loan Program allows self-employed and 1099 borrowers to qualify using 12 months of personal or business bank statements instead of tax returns.

Whether you’re purchasing a home or refinancing, this program offers a flexible alternative designed specifically for today’s entrepreneurs and independent professionals.

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Coffee shop owner reviewing his business finances on a tablet

At a Glance

Program Highlights

  • Qualify with 12 months of bank statements
  • Available for Self-Employed and 1099 Borrowers

90%

Up to 90% LTV for Purchases

80%

Up to 80% LTV for Cash-Out Refinances

600

Minimum 600 FICO

$4 Million

Loan amounts up to $4 Million

What’s Not Required

No tax returns required (No 1040s, 1120s, K-1s, or IRS transcripts)

No 4506-C/T, No K-1s, and No Profit & Loss Statements

No Mortgage Insurance (MI)

No reserves required for loans at 75% LTV or less

Compare Programs

Self-Employed? Compare Your Options

Program Qualify with Minimum FICO Maximum LTV
1099 Income One year of 1099s and two months of bank statements 600 Up to 80%
12-Month Bank Statement 12 months of personal or business bank statements 600 Up to 90% for purchases
Profit & Loss A 12-month P&L statement and three months of bank statements 660 Up to 80% for purchases
No Income Verification (CA) Strong equity, credit, and assets 620 Up to 60% for purchases

A Smarter Way to Qualify

If you’re self-employed, own a business, work as an independent contractor, or receive 1099 income, our Bank Statement Loan Program makes it easier to qualify without the paperwork required by traditional lenders.

Our experienced loan specialists will guide you through the process and help you find the financing solution that best fits your financial goals.

Contact us today to learn more about our 12-Month Bank Statement Loan Program and see if you qualify.

Start Your Application
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Or call Nancy Sacks directly: 949-449-1242