At Pacific Home Loans, we specialize in flexible lending solutions designed to meet the unique needs of self-employed borrowers and entrepreneurs across Arizona. Our Bank Statement Loans provide a streamlined financing option for:

• Self-employed individuals who take advantage of tax deductions that may lower their reportable income.
• Business owners and entrepreneurs seeking hassle-free loan approval without W-2s or tax returns.
• Buyers looking for primary residences, second homes, or investment properties throughout Arizona.

We can also factor in rental income from long-term leases or short-term vacation rentals (such as Airbnb and VRBO) to help investors qualify. Additionally, our statewide lending solutions ensure access to financing in rural and underserved areas, where traditional loans may not always be available.

Explore your options today—contact us to get started on your Arizona home loan!

From the vibrant city life of Phoenix to the scenic landscapes of Sedona and Tucson, Arizona offers a wealth of opportunities for homebuyers and investors. At Pacific Home Loans, we provide tailored financing solutions to meet your unique needs—whether you’re purchasing your first home, upgrading to a luxury property, or securing a short-term rental investment.

Top Investment & Homebuying Areas in Arizona:

• Scottsdale: A prime destination for luxury homes and high-demand vacation rentals.
• Phoenix: Arizona’s economic hub with diverse housing opportunities and investment potential.
• Sedona: A retreat for high-end real estate with stunning red rock views.
• Flagstaff: A growing market for second homes and short-term rental investments.
• Tucson: Rich in culture, affordability, and a strong rental market.
• Lake Havasu & Prescott: Ideal for vacation homes and outdoor lifestyle investments.

We proudly serve all communities across Arizona, including rural and remote areas, where flexible lending solutions can make homeownership more accessible.

Ready to explore your options? Contact us today!

To qualify for a Arizona bank statement loan, you’ll need to meet the following requirements:

• Be self-employed or a business owner for at least 2 years.
• Maintain a credit score of 620 or higher.
• Provide 4 to 6 months of PITI reserves, depending on your loan size.

From the bustling energy of Phoenix to the tranquil beauty of Sedona, the growing markets of Tucson and Flagstaff, and the outdoor lifestyle of Prescott and Lake Havasu, Arizona offers a wealth of opportunities for homebuyers and investors. Whether you’re looking to purchase a primary residence, a second home, or a short-term rental property, our bank statement loans provide the flexibility and financial freedom to make your move seamless.

Start your Arizona homeownership journey today! Contact Pacific Home Loans to learn more about bank statement loans and how we can help you secure your dream home—no matter where in Arizona you choose to invest!

*These products may have a higher interest rate, more points or more fees than other products requiring documentation.

Information and self-help tools are provided for your independent use and are not intended to provide investment advice. We cannot and do not guarantee loan eligibility or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to speak with one of our experienced loan officers for a loan eligibility analysis and custom rate and payment estimate.