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Bank Statement Loans

The perfect home loan option for self-employed  or retired borrowers.

  • Loans up to $3 million with a minimum of $150,000

  • 12 or 24 months business or personal bank statements

  • Two years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu

  • Rates are 30-year fixed

  • Two years self-employed required

  • Borrowers can own as little as 50% of the business for business bank statements and 25% for personal bank statements

  • Purchase and cash-out or rate-term refinance

  • Owner-occupied, second homes, and non-owner occupied

  • 1099 option available

  • 40-year interest only available

  • Most loans will be qualified on an expense factor of 50%. Companies with a lower expense factor will require a statement from a third-party CPA or tax preparer. (Some industries with traditionally higher expense factors will be underwritten with a 70% expense factor.)

  • Loan amounts greater than or equal to $1,500,000, a borrower paid second appraisal must be obtained

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Types of Bank Statement Loans We Offer

Personal Bank Statement Loans

Personal bank
statement loans:

Qualify on 12 or 24 months bank statements. We count 100% of deposits as income. 

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Accountant at Work

Business bank
statement loans:

Qualify on 12 or 24 months bank statements. We count 50% of deposits as income.

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P&L Loans:

Qualify on 12 or 24 Month P&L Only (Prepared by CPA or EA). We use your P&Ls net income as your income to qualify.

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Contact Us

Lending Office


Direct Line: 503-343-7999 


Office Hours

Mon - Fri

9:00 am – 5:00 pm

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