Bank Statement Home Loans

A mortgage solution designed for self-employed borrowers who qualify based on business cash flow rather than traditional income documentation.

What Is a Bank Statement Loan?

A bank statement loan is designed for self-employed borrowers who may not qualify using traditional income documentation such as W-2s or tax returns.


Instead, qualification is based on the cash flow reflected in 12 or 24 months of personal or business bank statements.

Who This Loan Is Best For

If traditional documentation makes qualification difficult, this program may provide an alternative solution.

Qualification Overview

Approval is based on factors such as:

Verified bank statement history

Credit profile

Debt-to-income analysis

Property type and occupancy

Our team reviews your cash flow and financial profile to determine eligibility and structure the right financing solution.

Key Highlights

Why Work With Cody Financial

We understand the challenges self-employed borrowers face and provide clear guidance through documentation and underwriting requirements.

Self-employed and exploring mortgage options?

Loan programs, rates, terms, and qualification requirements are subject to change and borrower approval.