Bank Statement Loan Programs for Self-Employed Borrowers



No Tax Returns Required

12 Months Personal Bank Statements

24 Months Business Bank Statements 

Loan Amounts up to $3 Million

Minimum Loan Amount $150,000

Credit Scores Down to 600

Up to 90% LTV with No Mortgage Insurance (MI)

DTI up to 50% considered

Primary Residence, Second Homes, and Investment Property

5/1 ARM or 30 Year Fixed

Minimum 2 Year Self Employed Required



As a Mortgage Broker, we are able to offer:

Up to 90% Rate & Term Refinance

Up to 85% Cash Out Refinance

Primary Residence 

Second Homes

Investment Property

Conventional Loans For Self Employed Borrowers


If you have been in business 5 years or more, we can help Self Employed Borrowers with loan amounts up to $679,650 at super low CONVENTIONAL RATES, and the borrower could qualify for our No Cost Appraisal.  

This could be for Purchase or Refinance, with Loan to Values up to 97% LTV Primary Residence, 90% LTV Second Home, or 85% LTV Investment Property-all available with No Monthly Mortgage Insurance.

Contact Us


 NMLS# 193181

Southchase Mortgage

22394 Miflin Road, Suite 201A, Foley, AL 36535

(251) 625-0444


Monday - Friday: 8am - 8pm

Saturday: 8am - 8pm

Sunday: 8am - 8pm

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