Bank Statement Loans
Star Financial's Bank Statement Loan Program helps self-employed borrowers qualify using personal or business bank statements rather than traditional tax returns.
- 12 & 24-month options
- For self-employed & 1099 earners
- Purchase, refinance & cash-out
- Loan amounts up to $3 million
Not all applicants will qualify. Subject to approval.
Qualify With Your Business Cash Flow
Bank Statement Loans are designed for self-employed borrowers, entrepreneurs, and business owners who may not qualify using traditional tax returns. Use 12 or 24 months of bank statements to help document income and move one step closer to homeownership or your next investment property.
Built around how self-employed borrowers really earn.
- 12-Month Bank Statement Option
- 24-Month Bank Statement Option
- Self-Employed Borrowers
- Business Owners
- 1099 Borrowers
- LLC & S-Corp Owners
- Purchase & Refinance
- Cash-Out Available
- Loan Amounts Up To $3 Million
- Flexible Income Documentation
Designed for borrowers with non-traditional income.
- Self-employed business owners
- Independent contractors
- Realtors
- Mortgage loan officers
- Consultants
- Medical professionals
- Truck drivers
- Construction contractors
- Commission-based earners
- 1099 income earners
Your tax returns don't always tell the full story.
Traditional loans often use tax returns that may not accurately reflect a self-employed borrower's true cash flow.
Bank Statement Loans allow qualified borrowers to use deposits shown on bank statements to help qualify — giving a clearer picture of real earning power.
Get pre-approved using your bank statements.
Check your eligibility online and get pre-approved with Star Financial. As a direct lender with in-house underwriting and funding, our team reviews the options qualified self-employed borrowers may be eligible for.
Licensed in CA, TX, FL, CO, AZ & ID · NMLS #1429
Bank Statement Loans are subject to credit approval, income verification, investor guidelines, property eligibility, and underwriting requirements. Not all applicants will qualify.