For many self-employed individuals, freelancers, and small business owners, securing a home loan through traditional methods can feel like hitting a wall. Standard income verification methods—like W-2s or tax returns—don’t always capture the full scope of your financial picture. That’s why Pacific Home Loans proudly offers a smart and flexible solution: our Bank Statement Mortgage Program.
What Is a Bank Statement Mortgage?
A Bank Statement Mortgage is a loan program that uses your personal or business bank statements (typically over the last 12 to 24 months) as a way to verify income—instead of relying on tax returns or traditional employment documents. This gives borrowers with non-traditional income a fair shot at homeownership or real estate investment.
Whether you’re self-employed with substantial deductions, a freelancer with inconsistent income, or a short-term rental investor with seasonal earnings, this loan is built with your needs in mind.
Whether it’s your first home or an investment property, your vision for homeownership can become reality with a loan designed for self-employed buyers.
Program Highlights
- Flexible Income Documentation – Use 12 or 24 months of personal or business bank statements
- Generous Loan Limits – From $100,000 up to $30,000,000
- Low Down Payment Options – Finance up to 90% LTV with a 660+ credit score
- Property Versatility – Available for primary residences, second homes, and investment properties
- Rental Income Eligible – Including Condotels, Airbnb, and VRBO revenue
Who Is This Program For?
The Bank Statement Mortgage is ideal for:
- Entrepreneurs and Small Business Owners
- Freelancers and Independent Contractors
- Real Estate Investors using short-term rental income
- Gig Economy Workers and Consultants
A striking modern home like this is within reach—even with non-traditional income—thanks to our flexible Bank Statement Mortgage options.
Why Choose Pacific Home Loans?
At Pacific Home Loans, we understand that every borrower’s journey is unique. As a trusted mortgage banker and broker, we have the flexibility to shop across multiple lenders to find the best fit for your specific financial goals. With personalized service and proven experience, our team is here to help you navigate the process with confidence and clarity.
Ready to Take the Next Step?
If you’re self-employed, a business owner, or earn income outside of a traditional W-2 job, the Bank Statement Mortgage Program could be the perfect solution for your home financing needs. At Pacific Home Loans, we specialize in helping borrowers like you turn complex income situations into approved home loans—with flexible options and competitive rates.
Let’s make your homeownership goals a reality.
Ready to Learn More?
Connect with a loan expert today to see how our Bank Statement Mortgage Program can open doors for you. Contact us today!
From beachfront properties to modern investment homes, the Bank Statement Mortgage Program helps turn your income story into loan approval.
Stay tuned for our next post in the Bank Statement Series, Understanding the Bank Statement Mortgage Program – A Closer look at How it Works.
