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Bank statement loan programs

This category explains the bank statement loan programs a broker places self-employed borrowers into: the standard bank statement mortgage, HELOCs, refinances and business-account versions. Each post covers who the program suits, what it requires, how it is priced and how to compare the lenders that offer it. Start with Bank Statement Loans: A Broker's Guide to the Program, then read the requirements checklist before you quote a borrower.

  1. Non QM Bank Statement Loan: Where It Fits

    Why a bank statement loan is non QM, how it compares with DSCR and asset depletion programs, and what that status changes for the borrower and broker.

    Published October 16, 2026non-QMloan programsbroker

  2. Business Bank Statement Loan: Using Business Accounts

    When a business bank statement loan can use company account deposits as mortgage income, the ownership rules, and how the expense factor cuts the result.

    Published October 16, 2026business accountsexpense factorself-employed

  3. Bank Statement Refinance Loans: Rate Term and Cash Out

    How bank statement refinance loans work for rate and term or cash out, the seasoning rules, and how to move to a conventional loan once returns catch up.

    Published October 16, 2026refinancecash outself-employed

  4. Bank Statement Loans for Self Employed Borrowers

    Why bank statement loans for self employed borrowers exist, which owners qualify, what history they need, and when a tax-return loan is the better route.

    Published October 16, 2026self-employedbank statement loansincome

  5. Bank Statement Loans: A Broker's Guide to the Program

    How bank statement loans qualify self-employed borrowers on deposits instead of tax returns, who offers them, and when a broker should use one.

    Published October 16, 2026bank statement loansnon-QMbroker guide

  6. Bank Statement Loan Requirements: The Full Checklist

    Bank statement loan requirements in one checklist: credit score, down payment, reserves, self-employment history and debt-to-income limits lenders apply.

    Published October 16, 2026requirementschecklistqualification

  7. Bank Statement Loan Rates: What Moves the Price

    Why bank statement loan rates run above conventional pricing and which factors move them: credit score, LTV, lookback months and prepayment terms.

    Published October 16, 2026pricingrate adjustmentsnon-QM

  8. Bank Statement Lenders: How Brokers Compare Them

    Compare bank statement lenders on lookback months, expense factors, account rules and overlays, with a matrix brokers can fill in for each lender.

    Published October 16, 2026lender comparisonoverlaysbroker workflow

  9. Bank Statement HELOC: Tapping Equity Without Tax Returns

    How a bank statement HELOC lets self-employed owners borrow against home equity on deposits, with CLTV limits, draw payments and when it costs too much.

    Published October 16, 2026HELOChome equityself-employed