What is a Bank Statement Loan?

We can help those who are self-employed with our Bank Statement Loan Programs. We currently offer two loan options for self-employed borrowers. Being self-employed does not mean you can’t get financing. You do not have to submit any tax returns or financial statements other than your bank statements!

The minimum loan amount is $100,000.

Some key requirements:

  • You must be self-employed for at least 2 years
  • 4 months PITI reserves in the bank for loan amounts under $1 million, 6 months for loan amounts over $1 million
  • Qualify with as few as 12 months of consecutive bank statements (business or personal)
  • Minimum FICO of 620 to qualify

This program is perfect for business owners, realtors, consultants, restaurant owners, gig economy, entrepreneurs and more.

The Fintech Mortgage Association Experience

At Fintech Mortgage Association you can expect transparency and open communication, a knowledgeable team of industry experts and a customer-centric team working together to make your home buying experience effortless and exciting. We are fast and efficient, closing most of our purchase loans in 30 days or less.

Fintech Mortgage Association will offer the right loan tailored to you (VA, FHA, Conv, Jumbo and much more).Contact us for more information on your mortgage loan needs.

Any questions? Our Loan Officers would love to answer any of your questions on our conventional loans and get you pre-qualified today! Try our 1 minute Quick Qualify App. Discover Your Score HERE