Owner-Occupied Bank Statement
No tax returns? A bank statement solution can help your non-bankable clients secure loans even if they can’t provide full documentation.
Your First Stop For Small-Balance Loans
Competitive Rates
Lock in the lowest rates for creditworthy borrowers.
Flexible Funding
Borrowers provide bank statements as proof of income to qualify for a loan.
Cash-Out Options
Help borrowers refinance a mortgage or tap into cash for business improvements.
Program Guidelines
- Loans from $100K – $2MM
- LTVs up to 75%
- Terms: 5-year ARM or 30-year fixed
- Documentation: Bank Statements
- Amortization: Up to 30 years
- Min. FICO: 650
This program makes sense for:
- Self-employed borrowers
- Borrowers who struggle to show consistent growth through tax returns
- Borrowers who require more flexibility than traditional banks can provide
Ready to take the next step?
It’s easy – here’s how you can start closing Small-Balance Commercial loans:
Submit a loan
Send us more details about your loan scenario and borrower.
Connect with a team member
One of our experts will reach out to you to discuss next steps.
Close your deal
Once you’re approved, you’ll begin the transaction process.
What Brokers Are Saying
"I heard great things from my peers and wanted to try you guys. I was very happy and look forward to bringing more loans your way."
"Great service, fast turn times, and super low rates!"
"Quick and easy process with great rates and very personal loan processing team!"
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