Bank statement loans are non-qualified mortgage (non-QM) loans designed for self-employed borrowers, freelancers, and business owners who may not have traditional income documentation like W-2s or tax returns. Instead of standard verification methods, these loans use consistent monthly bank deposits to assess your ability to repay.

This financing option is ideal for borrowers across California’s diverse real estate markets, including:

📍 Los Angeles County – Perfect for luxury homes, investment properties, and high-demand rental units.
📍 San Diego County – Ideal for coastal retreats, short-term rentals, and condotel financing.
📍 San Francisco & Bay Area – A strong option for tech entrepreneurs and real estate investors.
📍 Orange County – Great for self-employed professionals seeking jumbo loan financing.
📍 Sacramento County – A growing market with affordable homeownership opportunities.
📍 Riverside & San Bernardino Counties – Expanding communities with investment potential and lower home prices.
📍 Serving All of California – From urban hubs to rural communities, we provide flexible mortgage solutions tailored to self-employed borrowers.

Whether you’re purchasing a primary home, vacation property, or investment rental, Pacific Home Loans’ bank statement loans offer the flexibility and financing you need to succeed in California’s competitive market.

1. Flexibility: Use 12 or 24 months of bank statements to prove your income.
2. High Loan Limits: Qualify for loans ranging from $100,000 to $5,000,000.
3. Low Down Payments: With a credit score of 660 or higher, you can secure up to 90% financing.
4. Simplified Documentation: No need to provide tax returns or employer-verified income.
5. Eligibility for Condotels: Financing available for income-generating condotel properties.

From the vibrant city life of Los Angeles to the tranquil beauty of California’s wine country, the state offers a wide range of investment and home ownership opportunities. Pacific Home Loans provides tailored mortgage solutions to meet your needs—whether you’re buying your first home, upgrading to a luxury property, or investing in short-term rentals.

Popular Areas for Investment:

📍 Los Angeles & Orange County – High-demand markets for luxury homes, Airbnbs, and long-term rentals.
📍 San Diego – A prime location for coastal vacation rentals, investment properties, and military housing.
📍 San Francisco & Bay Area – Ideal for tech professionals and investors seeking high-value real estate.
📍 Lake Tahoe & Sierra Nevada – A haven for vacation homes, retreats, and Airbnb investments.
📍 Sacramento & Central Valley – Growing markets with affordable housing and strong rental demand.
📍 Riverside & San Bernardino – Expanding communities with new developments and investment potential.
📍 Serving All of California – Including rural and underserved areas, where flexible lending solutions make home ownership possible.

Whether you’re settling into a new home or building your investment portfolio, Pacific Home Loans is here to help you secure the right financing for your California real estate goals.

To qualify for a California 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 vibrant energy of Los Angeles to the peaceful retreats of Lake Tahoe and the charm of California’s wine country, the state offers endless opportunities for homebuyers and investors alike. Whether you’re looking to buy a primary residence, purchase a second home, or invest in short-term rentals or condotels, our bank statement loans provide the financial flexibility you need—without the hassle of traditional income verification.

Ready to take the next step? Contact Pacific Home Loans today to learn more about California bank statement loans and how we can help you secure the perfect home or investment property—no matter where you choose to buy!

*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.