Loan program
Bank statement loans in Culver City
For self-employed borrowers. Lenders look at your bank deposits instead of your tax returns to figure out income.
No credit check to see your options
Is it right for you?
Bank statement could be a fit if…
- You're self-employed or a freelancer
- Your tax returns show less income than you really earn
- You own a business
- You have steady deposits in your accounts
The honest view
Pros and cons
What's good
- Qualify on real cash flow, not write-offs
- No tax returns needed with many lenders
- Works for many kinds of self-employed people
What to watch
- Usually costs more than a conventional loan
- Often needs a larger down payment
- Rules differ a lot by lender
Compare
How Bank statement compares
I compare these side by side with real lender pricing before you choose.
Swipe the table to compare →
| Feature | Bank statement | Conventional | Jumbo |
|---|---|---|---|
| Best for | Freelancers and business owners with big write-offs | Two years of solid tax returns | Westside prices above standard loan limits |
| Backed by | Not government-backed (non-QM) | Not government-backed (Fannie Mae / Freddie Mac rules) | Not government-backed (each lender's own rules) |
| Credit | Varies by lender | Usually higher than FHA | Strong credit expected |
| Mortgage insurance | Usually none | Needed below 20% equity; removable later | Usually none |
| Property | Main home, second home or rental | Main home, second home or rental | Main home, second home, sometimes rentals |
| Loan limit | Set by each lender | Conforming limit set by county | Above the conforming limit ($1,249,125 in LA County for 2026) |
How many statements do I need?
Usually 12 or 24 months of personal or business bank statements.
Do I need a CPA letter?
Some lenders ask for one to confirm your business. I'll pick lenders that fit what you already have.
Can I refinance into a conventional loan later?
Yes, many people do once their tax returns show enough income.
Is this the same as a 'no-doc' loan?
Not quite. You still document income — just with bank statements instead of tax returns.
Reviews
Read all on GoogleDon't take my word for it
“Sample review — replace with a real one. Two banks said my income was too low. Brian used my business statements and got us approved.”
“Sample review — replace with a real one. Closed my second rental in my LLC without showing a single tax return.”
“Sample review — replace with a real one. Pulled equity for my studio build-out. Brian laid out three options in plain English.”
Let's see if Bank statement is your best option.
Two minutes, no credit check. I'll compare it against every other loan you qualify for.
Get My Bank statement QuoteOr call or text (310) 555-0177