Our Programs 

12 or 24-Month Bank Statement Loans

Available on Rainier & Sequoia Non-QM

Qualify self-employed and business owner borrowers using bank statements.

12 or 24-Month Bank Statement Loans

Available on Rainier & Sequoia Non-QM

Qualify self-employed and business owner borrowers using bank statements.

  • No Tax Returns Required
  • Qualify using 12 or 24 Month Business or Personal Bank Statements
  • Loan Amounts Up to $5M
  • Credit Scores as Low as 620
  • Up to 90% LTV on Purchase and Rate & Term Refinances
  • Up to 80% LTV on Cash Out Refinances
  • Cash-Out Up to $3M
  • First Time Home Buyers Allowed
  • 2-1 Buydown Available
  • 15, 30, and 40-Year Fixed Rate Loan Terms
  • 30 and 40-Year Interest-Only Loan Terms
  • Non Occupant Co-Borrowers Allowed
Sequoia

Non-QM

Sequoia

Expanded

Rainier

Non-QM

Bank Statement Solutions for Self-Employed Borrowers

Bank Statement Loans make qualifying self-employed borrowers simple! Instead of using traditional W-2 income, self-employed workers can use 12 or 24 months of business or personal bank statements to qualify. With loan amounts up to $5M, credit scores as low as 620, Bank Statement Loans help entrepreneurs and business owners to achieve their homeownership goals!

Price Your Scenario

Use our Quick Pricer or Talk To Your Account Executive

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Download Customizable Marketing Resources

Bank Statement Mortgage Loans Flyer
Self-Employed? I Can Help Flyer
7 Ways to Qualify Self-Employed Borrowers Flyer

Check Out Our Current Turn Times For Our Bank Statement Loans

Bank Statement Loans FAQ

Bank Statement Loans can be a great fit for borrowers who are self-employed or own their own business and have W-2 income that does not accurately reflect their annual earnings. These borrowers can use their business or personal bank statements to qualify for a mortgage loan.

Newfi has several tools to calculate bank statement income for you accurately and quickly Reach out to your Account Executive for assistance. 

Each borrower’s situation is unique and the calculation that best fits their needs will depend on the details of their self employed business. Your Newfi Account executive can help you determine the best choice for documentation.