Bank Statement Loans
Our bank statement loan program does not require tax returns to qualify. Instead, we use either 12 months or 24 months of your bank statements to get you qualified.
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Bank Statement Loan Program Highlights & Borrower Benefits
Our Bank Statement Loan is designed for self-employed borrowers, business owners, influencers, and high-income earners who don’t show high income on tax returns. Instead of W-2s and traditional income documentation, we review 12–24 months of bank statements as part of the application process.
This is built for entrepreneurs who make real money — but don’t look great on paper.
Program Highlights
Loan Amounts: Up to $5,000,000 (varies on loan to value)
DTI Method: Income calculated using deposits — not tax returns
Min Credit Score: 620+ (680+ preferred for better terms)
Property Types: Single family residence, condo, 1-4 units
Down Payment: Starting at 10% down (varies by credit and income profile)
Occupancy: Owner-occupied, second home, and non-owner-occupied available
Income Documentation: 12 or 24 months of personal or business bank statements
Gift Funds: Allowed in certain scenarios
Reserves: Typically 3–12 months depending on loan size and profile
No W-2s. No tax returns required. No explaining your write-offs.
We qualify based on incoming deposits in your bank account.
Program Highlights
Loan Amounts: Up to $5,000,000 (varies on loan to value)
Min Credit Score: 620+ (680+ preferred for better terms)
Down Payment: Starting at 10% down (varies by credit and income profile)
Income Documentation: 12 or 24 months of personal or business bank statements
DTI Method: Income calculated using deposits — not tax returns
Property Types: Single family residence, condo, 1-4 units
Occupancy: Owner-occupied, second home, and non-owner-occupied available
Gift Funds: Allowed in certain scenarios
Reserves: Typically 3–12 months depending on loan size and profile
No W-2s. No tax returns required. No explaining your write-offs.
We qualify based on incoming deposits in your bank account.
How It Works
Apply Online
Get Approved
Fund
Apply Online
Get Approved
Fund
Equinox Makes Financing Easy for Self Employed Borrowers
At Equinox, we specialize in working with business owners and non-traditional earners. We understand cash flow, seasonal income, commissions, 1099 income, and aggressive tax strategies.
You don’t need to fit into a traditional box — you need a lender who understands how you make money.
Our advisors review your bank statements strategically before submission to maximize approval strength and reduce underwriting friction.
This isn’t just a loan. It’s a strategy.
Why Choose a Bank Statement Loan?
If your accountant saved you money on taxes, but now you “don’t qualify” — this is your lane.
We are the Alternative Mortgage Financing Experts.
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Answers to Your Questions
What is a Bank Statement Loan?
A Bank Statement loan is for someone who is self-employed but can’t prove their income. Typically, this borrower has a lot of tax deductions and writes off a lot of expenses; therefore, on paper, the net income is too low to be used for a conventional loan program. Here at Equinox, we have the option to not use your income, and we verify that by using your bank statement deposits instead. This is a Bank Statement program. As long as a homeowner or buyer can demonstrate that they have enough money in the bank to continue making on-time payments, they are qualified for the loan program.
Is My Credit Score a Factor in Getting Approved?
What Kind of Loan Terms Do You Offer?
Bank Statement loans come in all types of loan terms. It’s a very flexible program that can help you get the payment that you need. Bank Statement loans are available as a 5 Year Adjustable Rate Mortgage, which will get you the best interest rates. If you want a longer term, we have a 7 Year Adjustable Rate Mortgage available and a 30 Year Fixed Rate option available as well. Some borrowers prefer interest-only payments, which we can do as well, so that you can keep your monthly payments as low as possible.
How Do I Get Qualified?
The process is simple. When most people call us, they are usually skeptical about the program and whether they can really qualify. Here at Equinox Home Financing, we have been providing these programs since they have been made available and have been able to help many self-employed business owners purchase or refinance their homes. First step is to call us, a professional will help consult with you and explain how our programs work in detail. There are many types of programs, and it’s best to speak with us so we can guide you in the right direction. Learn more about Bank Statement Loan Requirements.
What Type of Properties Can I Finance?
Our Latest Funded Loans
Los Angeles, California
Bank Statement Loan
10% Down Payment
$1,200,000 Loan Amount
Tampa, Florida
Bank Statement Loan
25% Down Payment
$475,000 Loan Amount
Plano, Texas
2 Year 1099 Loan
15% Down Payment
$505,000 Loan Amount
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