— ABOUT NON-QM LOANS

For self-employed borrowers, the traditional mortgage process often creates a frustrating contradiction: you run a profitable business, but aggressive tax deductions reduce your documented income to a level that disqualifies you from conventional financing. A bank statement loan solves that problem by evaluating what you actually deposit, not what your tax return reports.

Pacific Home Loans has been closing bank statement loans since 2018. Our team understands the nuances of self-employed income, knows how to structure files for Non-QM investor review, and has the experience to navigate complex financial profiles that other lenders turn away.

— PROGRAM DETAILS

— PROGRAM DETAILS

This program is the go-to solution for borrowers whose income tells a better story in their bank account than on their tax return:

• Self-employed borrowers and small business owners
• Entrepreneurs with multiple revenue streams
• Independent contractors and freelancers with consistent deposit history
• Real estate investors with active business income
• Borrowers with significant write-offs that reduce taxable income below qualifying thresholds

If your tax returns understate your income, if your earnings are variable or seasonal, or if you’ve been turned down by a conventional lender despite strong cash flow, a bank statement loan may be exactly what you need.

Personal vs Business Bank Statements
Both personal and business bank statements can be used for qualification, depending on your business structure and how income flows. Our team evaluates your specific situation to determine which approach – or which combination – produces the strongest qualifying income. Expense ratios may be applied to business accounts to reflect actual net income available for debt service.

Eligible Property Types
Bank statement loans can be used to finance a wide range of properties, including primary residences, second homes, investment properties, and condominiums subject to project eligibility.

For condominium or resort properties requiring additional project review:
→ PrimeResort™ Condo Financing

Loan Features & Flexibility
Bank statement programs are built for flexibility. Depending on borrower profile and investor guidelines, these programs may offer:

• Higher loan limits than conforming programs
• Qualification for primary residences, second homes, and investment properties
• Fixed-rate and adjustable-rate options
• Solutions for borrowers with complex financial structures

Loan terms, rates, and structure vary based on borrower documentation, property type, and program guidelines.

When Additional Structuring May Be Needed
Some transactions require a more tailored approach – particularly for higher loan amounts, complex asset portfolios, or time-sensitive purchase scenarios. In these cases, portfolio lending solutions may provide additional flexibility.

→ Portfolio Loans & Flexible Financing Solutions

— SPECIALIZED FINANCING

Bank statement loans are one of several Non-QM pathways available through Pacific Home Loans. If your income profile or financial situation calls for a different approach, we have the programs and experience to match you with the right solution:

• DSCR Loans – for investors qualifying on property cash flow
• Asset-Based Loans – for high-net-worth borrowers qualifying on liquid assets and real estate equity
• 1099 Loans – for independent contractors using 1099 income documentation
• Foreign National Loans – for non-U.S. citizens purchasing U.S. real estate

→ View Non-QM Loan Options

Compliance & Qualification Notes
Bank statement loans are non-agency mortgage products underwritten outside of conventional guidelines. They may carry different pricing than conforming loans, require larger down payments in some scenarios, and are subject to investor guidelines and program overlays. All approvals are based on full underwriting review of borrower documentation, deposit history, and property eligibility.

— NON-QM LENDING