Bank Statement Mortgage in California
★ ★ ★ ★ ★
- Bank Statement Loan Program
- Good for Self-Employed
- Alternative To Tax Returns
- Purchase Or Refinance Options
- Office Located In Los Angeles
What type of property are you refinancing?
Single Family
Multifamily
Condominium
Townhouse
How will this property be used?
Primary Residence
Vacation Home
Investment Property
Estimate credit score
Excellent 770+
Good 660-719
Avg. 620-659
Below avg. 580-619
Poor <579
What type of property are you purchasing?
Single Family
Multifamily
Condominium
Townhouse
Are you a first-time home buyer?
Yes
No
How will this property be used?
Primary Residence
Vacation Home
Investment Property
Estimate credit score
Excellent 770+
Good 660-719
Avg. 620-659
Below avg. 580-619
Poor <579
Final Step
By clicking "Get My Quote" you certify that you read and completely agree with the Privacy Policy
Summary
| Description | Information | Quantity | Price |
|---|---|---|---|
| Discount : | |||
| Total : | |||
Bank Statement Mortgage in California
★ ★ ★ ★ ★
- Bank Statement Loan Program
- Good for Self-Employed
- Alternative To Tax Returns
- Purchase Or Refinance Options
- Office Located in Los Angeles
Irina Dyakun, CEO
What type of property are you refinancing?
Single Family
Multifamily
Condominium
Townhouse
How will this property be used?
Primary Residence
Vacation Home
Investment Property
Estimate credit score
Excellent 770+
Good 660-719
Avg. 620-659
Below avg. 580-619
Poor <579
What type of property are you purchasing?
Single Family
Multifamily
Condominium
Townhouse
Are you a first-time home buyer?
Yes
No
How will this property be used?
Primary Residence
Vacation Home
Investment Property
Estimate credit score
Excellent 770+
Good 660-719
Avg. 620-659
Below avg. 580-619
Poor <579
Final Step
By clicking "Get My Quote" you certify that you read and completely agree with the Privacy Policy
Summary
| Description | Information | Quantity | Price |
|---|---|---|---|
| Discount : | |||
| Total : | |||
Why People Search “Stated Income” Today
Many borrowers search for a stated income mortgage in California because traditional underwriting does not match how they get paid. Tax returns can look low on paper even when cash flow is strong. Modern stated income programs are not based on guessing. Lenders still verify your ability to repay. The difference is the way income is documented.
What Is A Bank Statement Mortgage?
A bank statement mortgage uses deposits shown on your bank statements to help determine qualifying income. This is a common solution when you do not want to qualify using tax returns or standard W-2 guidelines.
You may also see this described as alternative income verification loans in California. It is still a real estate mortgage with underwriting guidelines. Credit, down payment, and the full scenario still matter.
Many of these programs fall under non qm loans in California, which is a category designed for borrowers with income that is harder to document through conventional methods.
Get A Fast Bank Statement Review
If you are self-employed and you want a direct answer, do this:
1. Send your bank statements
2. Share your goal (purchase, refinance, property type)
3. We match you with the best program and outline the next steps
This is the fastest way to confirm pricing range, down payment expectations, and approval path. If you are looking for stated income loan lenders in California, start with a review. It quickly shows what is realistic.
Who This Is For
This page is built for borrowers who already understand the basics and want a clean path to approval.
This is often a strong fit for:
Business Owners, Deductions
Freelancers, Uneven Deposits
Multiple Income Streams
Investors, No Tax Returns
If you qualify using a standard program, that can still be the lowest-cost route. See conventional loans in California for a baseline comparison.
Have Questions? Reach us out.
In-Person at LA Office
1810 W Burbank Blvd #150, Burbank, CA 91506
Cell-phone
M-F 10 AM-5 PM (PST)
On-line
Simply e-mail or use online-chat
Bank Statement Vs No Document Loans
Bank Statements
A bank statement mortgage qualifies you using documented deposits. It is still documentation. It is just different documentation from tax returns.
No Document Loans
A “no doc” program is a broader bucket. It can include other qualifying methods, depending on the scenario and eligibility rules. If you want to compare options, start with no document loans in California and then decide which path fits your profile best.
Program Options You May See
The option that fits depends on how your deposits look and how you receive income. Common variables:
12-Month vs 24-Month Review
24 months can help if income is uneven. 12 months can work if deposits are strong and stable.
Personal vs Business Statements
Business statements can be useful for business owners with clear revenue flow.
Expense Factor Treatment
Lenders may apply a standard percentage to estimate expenses depending on the program.
No-Doc Mortgages in California — FAQ
How many months of bank statements do I need for a mortgage in California?
Most programs look at 12 to 24 months. The best fit depends on how consistent your deposits are.
Can I use business bank statements instead of personal ones?
Often yes. Business statements can work well when your business deposits are steady and easy to track.
Is a bank statement mortgage considered a Non-QM loan?
Many are. Non-QM is a category for loans that qualify borrowers using alternative documentation, not a lower-quality loan type.
Can I use a bank statement loan to buy an investment property?
Sometimes. Eligibility depends on your full profile and the lender’s rules for investment occupancy.
Is a bank statement mortgage the same as a stated income mortgage?
In modern usage, many people mean the same thing. Today, the income is usually supported by bank statements, not simply stated without review.
What credit score and down payment are usually needed?
It varies by program and risk level. Strong credit and more money down can improve approval odds and pricing.
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