Loan Program
Bank Statement Loan – 12 or 24 Months
A mortgage that may use eligible personal or business bank statements to document self-employed income.
A mortgage that may use eligible personal or business bank statements to document self-employed income.
Program overview
- The source guidelines provide 12-month and 24-month bank-statement documentation paths.
- Purchase, rate-and-term refinance, and cash-out refinance structures are addressed.
- Self-employment history, eligible deposits, expense analysis, credit, reserves, and property requirements apply.
Who this may help
Eligible self-employed borrowers using personal or business bank statements to document qualifying income.
Key guidelines
- The source guidelines provide 12-month and 24-month bank-statement documentation paths.
- Purchase, rate-and-term refinance, and cash-out refinance structures are addressed.
- Self-employment history, eligible deposits, expense analysis, credit, reserves, and property requirements apply.
Important notes
Program information is summarized from the current wholesale source guidelines. Requirements and availability may change. A complete borrower, property, and transaction review is required before determining whether an option is available.
Best next step
Contact RGI Mortgage to review the complete scenario and compare available options.
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Next Step
Questions about this loan program?
Talk with RGI Mortgage about whether this option may fit your situation before choosing a loan path.