CambridgeHomeLoan.com Bank Statement Loans – Up to 90% LTV·Up to $3 Million·FICO 640
Non-QM Home Loans · Direct Lender Since 1998 · NMLS #1826020

Bank Statement Loans

Qualify for a home loan with your most recent business or personal bank statements. Owner-occupied home loans for self-employed borrowers – loan amounts up to $3 million and up to 90% LTV.

  • Loan amounts up to $3 million
  • Up to 90% LTV · 80% max LTV for refinance & cash-out
  • Qualifying FICO score of 640
  • Owner-occupied loans for business owners
  • Self-employed borrowers only · 3- and 12-month statement options
Apply Here → (800) 826-5077
Apply for a Bank Statement Loan
Self-employed? Use your bank statements, not your tax returns.
  • Share your businessTell us about your business and the home you’re buying or refinancing.
  • Provide bank statementsBusiness or personal statements – 3 or 12 months.
  • Review your optionsA mortgage professional walks you through your program.
Apply Here → Call (800) 826-5077
$3MMax Loan Amount
90%Max LTV
80%Max LTV Refi & Cash-Out
640Qualifying FICO
3 & 12Month Statements
Self-EmployedOwner-Occupied

Bank Statement Loans at a Glance

  • How you qualify: With your most recent business or personal bank statements.
  • Loan amount: Up to $3 million.
  • Leverage: Up to 90% LTV on purchase.
  • Refinance & cash-out: 80% max LTV.
  • Credit: Qualifying FICO score of 640.
  • Occupancy: Owner-occupied loans for business owners.
  • Borrower: Self-employed borrowers only.
  • Statement options: 3-month and 12-month bank statement programs.
  • More Non-QM options: Jumbo prime, foreign national, asset-only, interest-only, ITIN, and investor cash flow loans.
  • Lender: CambridgeHomeLoan.com – direct lender since 1998, NMLS #1826020.

What sets bank statement loans apart

Qualify on the cash flow you actually have

If you own a business, your tax return is built to minimize what you owe – not to show what you earn. After write-offs and deductions, a successful owner can look like a weak borrower on paper, even when the deposits hitting the account tell a very different story.

A bank statement loan flips that. Instead of relying on your tax returns, we qualify you with your most recent business or personal bank statements, so the income that actually flows through your accounts is what counts. Choose a 3-month or 12-month statement program, borrow up to $3 million at up to 90% LTV, and get a home loan built for self-employed borrowers.

✓ Business or personal statements ✓ Up to $3M ✓ Up to 90% LTV ✓ FICO 640 ✓ 3 or 12 months ✓ Owner-occupied
Apply Here →

Self-employed borrowers

Built for business owners

Bank statement loans are designed for self-employed borrowers whose real earnings don’t show up on a tax return. If you run your own business, this program was made for you:

Small Business Owners

Qualify on the deposits your business actually generates, not the net income on your return.

Contractors & Skilled Trades

Variable, job-to-job income is easier to show with statements than with a single tax return.

Restaurant & Retail Owners

Strong daily deposits and seasonal swings are captured by your real bank activity.

Consultants & Professionals

Independent professionals and freelancers can use statements to reflect steady client income.

Own your business? See what you qualify for.Apply with your business or personal bank statements.
Apply Here →

Bank statement financing

What is a bank statement loan?

A bank statement loan is a Non-QM (non-qualified mortgage) home loan that uses your bank statements – instead of tax returns – to verify your income. It’s designed for self-employed borrowers whose tax returns understate their actual earning power because of business write-offs and deductions.

Depending on the program, you can qualify with just 3 or 12 months of business or personal bank statements. That makes it one of the most straightforward ways for a business owner to buy or refinance an owner-occupied home.

Loan amount Up to $3 million
Leverage Up to 90% LTV
Refinance & cash-out 80% max LTV
Credit Qualifying FICO score of 640
Income documentation Most recent business or personal bank statements (3 or 12 months)
Occupancy Owner-occupied
Borrower Self-employed borrowers only
See if a bank statement loan fits youApply with your business or personal statements.
Apply Here →

Non-QM home loans

Bank statement and Non-QM loan programs

Owner-occupied home loans for self-employed borrowers, plus investor and specialty programs for borrowers who don’t fit the standard mold. Choose a program to learn more:

3 Month Bank Statement Loan

Statement only

Qualify with just 3 months of business or personal bank statements.

Learn More

12 Month Bank Statement Loan

Statement only

Qualify with just 12 months of business or personal bank statements.

Learn More

Jumbo Prime Home Loan

Statement only

The most competitive Jumbo Prime home loan in the market. Get started today.

Learn More

Foreign National Home Loan

Statement only

Qualify with a letter of good standing from your current financial institution or an international credit report.

Learn More

Asset Only Home Loan

Statement only

Qualify with your most recent financial statement.

Learn More

Investor Cash Flow Home Loan

Non-owner-occupied

For investment properties – purchase or refinance.

Learn More

Interest-Only Home Loans

Flexible payment structure

Home loans with interest-only payment options.

Learn More

ITIN Home Loan

Specialty program

A home loan program for borrowers with an Individual Taxpayer Identification Number (ITIN).

Learn More
Not sure which program fits?Tell us about your situation – we will structure it.
Talk to Us →

Free tool

Bank statement income estimator

Enter your total deposits over the statement period and an example expense factor to see a rough monthly qualifying income – and how a proposed housing payment compares. Illustrative only; actual income calculation and expense factors are determined by the program and underwriter.

Your numbers

Average monthly deposits–
Estimated monthly qualifying income–
Total monthly obligations–
Estimated debt-to-income–
Income left after obligations (monthly)–
Apply here →

Illustrative only; not a commitment to lend or an income determination. The expense factor shown is an example input – your actual program and underwriter determine how deposits are converted to qualifying income. Debt-to-income limits vary by program. Excludes closing costs.

How they compare

Bank statement loans vs. traditional mortgages

Traditional mortgages are built around W-2s and tax returns. If you’re self-employed, here is how the two approaches typically differ. Where bank statement loans lead for business owners, it is highlighted.

Feature Bank Statement Loans Traditional Mortgages
Income documentation Business or personal bank statements W-2s, pay stubs, and tax returns
Documentation period 3 or 12 months of statements Typically multiple years of returns
Self-employed borrowers Designed for them Qualified on net income after write-offs
Loan amount Up to $3 million Conforming loan-limit constraints
Leverage Up to 90% LTV Varies by program
Credit Qualifying FICO score of 640 Varies by program

Traditional-mortgage column is a generic composite of commonly seen guidelines as of 2026, subject to change, and does not describe any specific lender or loan product. For general comparison only.

Show your real incomeApply with your bank statements instead of your tax returns.
Apply Here →

How it works

Get your bank statement loan in three steps

1

Apply online

Tell us about your business and the home you want to buy or refinance – owner-occupied, self-employed borrowers only.

2

Provide your bank statements

Qualify with your most recent business or personal bank statements – 3 or 12 months depending on the program.

3

Move to closing

Smooth processing and expert support carry you from application to funding on your purchase or refinance.

Ready to get started?Apply with your business or personal bank statements.
Apply Now →

Requirements

Bank statement loan requirements

Borrower type Self-employed borrowers only
Occupancy Owner-occupied loan for business owners
Credit Qualifying FICO score of 640
Maximum loan amount Up to $3 million
Maximum LTV Up to 90% · 80% for refinance & cash-out
Income documentation Most recent business or personal bank statements (3 or 12 months)

Looking for an investment property loan, a foreign national loan, or another Non-QM option? See the program list above or call (800) 826-5077.

Answers

Bank statement loan FAQ

What is a bank statement loan?

A bank statement loan is a Non-QM home loan that lets you qualify with your most recent business or personal bank statements instead of your tax returns. It’s designed for self-employed borrowers.

How many months of bank statements do I need?

We offer both a 3-month bank statement loan and a 12-month bank statement loan. Depending on the program, you can qualify with just 3 or 12 months of business or personal bank statements.

How much can I borrow?

Bank statement loans are available for loan amounts up to $3 million, with up to 90% LTV. Refinance and cash-out transactions have an 80% max LTV.

What credit score do I need?

The qualifying FICO score for bank statement loans is 640.

Who qualifies for a bank statement loan?

Bank statement loans are for self-employed borrowers only, and are owner-occupied loans for business owners. If you’re looking to finance an investment property, see our investor cash flow home loan.

Can I use personal bank statements instead of business statements?

Yes. You can qualify with your most recent business or personal bank statements.

What other Non-QM programs do you offer?

In addition to bank statement loans, we offer jumbo prime, foreign national, asset-only, interest-only, and ITIN home loans, plus investor cash flow loans for non-owner-occupied properties. See the program list above.

Still have a bank statement loan question?Talk to a mortgage professional today.
Apply Here →

Keep exploring

Related loan programs

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Your Non-QM lender since 1998Direct lender · owner-occupied loans for self-employed borrowers.
Apply Here →

© 2026 CambridgeHomeLoan.com · NMLS #1826020 · 4830 W Kennedy Blvd, Tampa, FL 33609 · (800) 826-5077 · Equal Housing Lender. Bank statement loans are Non-QM (non-qualified mortgage) loans that use alternative income documentation and do not meet standard qualified mortgage documentation requirements. Bank statement loans are available to self-employed borrowers only, on an owner-occupied basis. Rates, points, loan amounts, LTV, credit score requirements, terms, and closing timelines vary by borrower, property, and program, are subject to change without notice, and are subject to borrower and property qualification and underwriting approval. “Up to $3 million,” “up to 90% LTV,” “80% max LTV for refinance and cash-out,” and “FICO 640” describe the bank statement loan program and reflect the strongest profiles; other programs listed on this page, including jumbo prime, foreign national, asset-only, interest-only, ITIN, and investor cash flow loans, have their own guidelines and are not a quote or commitment to lend. Bank statement income calculations, expense factors, and debt-to-income limits are determined by the specific program and underwriter; the estimator on this page is illustrative only and is not an income determination. Comparison figures are generic market composites for illustration only and are not the terms of, or an endorsement of or by, any specific lender or loan product. Illustrations on this page are artwork and do not depict specific properties or people. This page is informational and does not constitute financial, legal, tax, or insurance advice.

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