Bank Statement Loan Program

Entrepreneurs, freelancers, small business owners, and self-employed borrowers — don’t let your taxable income stop you from getting a low-rate mortgage. We have a flexible loan option specifically made for you. With our bank statement loan, you can buy or refinance a home without having to provide tax returns and extensive documentation. Because your time should be spent running your business, not running down paperwork for a mortgage.
Advantages
  • No tax returns required
  • Borrow up to 80% of the home's value; up to 90% with proper reserves and credit
  • Finance owner occupied homes, second homes & investment properties*
  • Easy to qualify with maximum debt-to-income ratio (DTI) of 50%
  • No paying private mortgage insurance (PMI)
  • Credit scores as low as 600
*Minimum loan amount of $150,000

Here's how it works:

  • Call, text, or chat with a salary-based mortgage consultant
  • Must be in business for 2+ years
  • Provide documentation such as:
    • Your business license
    • 12 months of personal and 24 months of business bank statements
    • Expense ratio
    • Signed CPA letter stating you are still in business
  • Receive your custom, low rate home loan

Rethink traditional financing

Affordable loans with easy qualifications and flexible down payments are possible. Let American Financing guide you through the process and through loan options that make sense for you. We’re even open nights and weekends to fit your schedule. Make the call to (800) 910-4055 or complete the online application.

Pre-qualify in 10 minutes
By submitting this form, I am providing express consent for American Financing to contact me, including through the use of an automated dialer, voice or text, at the number above, even if my telephone number is listed on any Do-Not-Call list. I understand that I do not have to consent to receive such calls or text messages in order to purchase goods or services from American Financing.