Bank statement loans are non-qualified mortgage loans designed for borrowers who may not have traditional income documentation, such as W-2s or tax returns. Instead, these loans allow lenders to verify your ability to repay based on consistent monthly bank deposits.

This option is especially valuable in both high-demand and underserved areas across Nevada, including:
• Clark County: Home to Las Vegas, Henderson, and North Las Vegas, offering opportunities for luxury homes, high-demand rental properties, and condotels.
• Washoe County: Featuring Reno and Sparks, known for their growing tech sectors and vibrant communities.
• Douglas County: Ideal for serene retreats near Lake Tahoe, including Zephyr Cove, Stateline, and condotel investments.
• Elko County: A growing hub for families and professionals with opportunities for affordable housing.
• Nye County: Offering small-town charm and affordability in communities like Pahrump.
• Humboldt County: Known for its rural character and untapped potential for investment properties.
• Serving All Nevada Communities: Including remote and underserved areas, ensuring that all borrowers have access to tailored financing solutions.

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 lively energy of Las Vegas to the peaceful charm of rural Nevada, the state offers diverse opportunities for homebuyers and investors. Pacific Home Loans delivers exceptional service tailored to your specific needs, whether you’re purchasing your first home, upgrading to a luxury property, or investing in a short-term rental.

Popular areas for investment include:

• Las Vegas and Henderson (Clark County): Perfect for high-demand rental properties, luxury homes, and condotels.
• Reno and Sparks (Washoe County): Known for their growing real estate markets and tech-driven communities.
• Lake Tahoe (Douglas County): A haven for serene retreats, vacation rentals, and condotel investments.
• Pahrump (Nye County): Offering affordable housing with small-town charm.
• Elko and Winnemucca (Elko and Humboldt Counties): Opportunities for affordable investments in emerging areas.
• Serving All Communities Across Nevada: Including rural and remote regions where flexible lending solutions can help fulfill unique homeownership needs.

To qualify for a Nevada 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 excitement of Las Vegas to the tranquility of Lake Tahoe and the unique charm of rural Nevada, the state offers something for everyone. Whether you’re looking to settle into a primary residence, purchase a second home, or invest in short-term rental properties or condotels, our bank statement loans provide the financial freedom to make your move effortless.

Ready to start your journey? Contact Pacific Home Loans today to learn more about Nevada bank statement loans and how we can help you secure your dream home—no matter which community or property type you choose!

*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.