Bank Statement Home Loan | A Mortgage For Self-Employed

Loans up to $4 million with a minimum of $150,000
12 or 24 months business or personal bank statements
Two years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
5/6 ARM, 7/6 ARM, & 30 year fixed options available
One year self-employed required
Purchase, cash-out or rate-term refinance, and delayed financing options available
Owner-occupied, second homes, and investment properties
1099 option available
Interest only option available
Non-permanent residents allowed

Angel Oak’s Bank Statement mortgage program is the perfect option for self-employed borrowers who need an alternative method to show the true cash flow of their business. Borrowers do not have to own 100% of the business. Our Bank Statement program provides a loan solution to help underserved credit-worthy self-employed borrowers who otherwise would not qualify for a home loan.

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Property State

Loan Purpose

PurchaseRefinance

Are You Self-Employed?

Yes

Residence Type

Primary ResidenceSecond Home / Investment Property

Credit Score

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Product FAQ

General FAQ

How Does A Bank Statement Mortgage Program Work?

A bank statement mortgage allows eligible self-employed borrowers to use bank statements to help verify income instead of tax returns. A lender will use these statements to analyze income to prove the ability to repay a loan.

What Is The Difference Between A Bank Statement Loan And A Traditional Mortgage Loan?

Traditional loans will generally require tax returns, W-2s and paycheck stubs in order to verify a borrower’s income. A bank statement mortgage loan offers self-employed borrowers a different option to verify their income without using tax returns.

Are Self-Employed Borrowers Required To Use Bank Statement Loan Products?

A bank statement loan is often a great option for qualified self-employed borrowers. However, self-employed borrowers should choose the best loan product to help meet their mortgage needs.

Angel Oak Mortgage Solutions LLC – NMLS ID #1160240 (NMLS Consumer Access). Licensed in AL #21875, AZ #0926930, AK #110480, Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act License #4131346. Loans made or arranged pursuant to a California Financing Law License CFL License #60DBO71208, CO Regulated by the Division of Real Estate, CN #ML-1160240, DE #019971, DC #MLB1160240, FL, GA #41747, HI # HI-1160240, ID # MBL-2081160240, IL Residential Mortgage Licensee # MB.6761065, IN #24466, IA #2014-0070, KS MC.0025339, KY #MC292246, LA, ME #1160240, MD #21260, MI #FL0020868, MN #MN-MO-1160240, MS #1160240, MO #19-2400, MT #1160240, NE, NV #4450, NH #22446-MB, Licensed by the N.J. Department of Banking and Insurance, NM, NC #L-163234, ND #MB103396, OH #RM.501891.000, OK #ML011190, OR #ML-5316, PA #56598, RI #20173431LL, SC #MLS-1160240, SD #ML.05224, TN #118878, TX, UT, VA #MC-5830, WA #CL-1160240, WV #ML-36451, WI #1160240BA, WY #3229.
This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.Angel Oak, Angel Oak Mortgage Solutions and the tree design are trademarks owned or registered by Angel Oak Companies, LP in the U.S.