Bank Statement Home Loan

Our Bank Statement product allows eligible self-employed borrowers to qualify using personal or business bank statement. No tax returns required.
Get Started
Get Started
  • Loans from $150,000 to $3 million
  • Two years seasoning required for foreclosure, short sale, bankruptcy or deed-in-lieu
  • Available for purchase, cash-out or rate-term refinance
  • Primary, second home, or investment properties
  • Single family, townhomes, or condos
  • 12 or 24 months business or personal bank statement submissions
  • 1099 income option available
  • Non-warrantable condos allowed
  • Two years of self-employment required
  • 40 year fixed interest-only available*

Angel Oak Home Loan’s Bank Statement program is a loan option for eligible self-employed borrowers to purchase or refinance a home. This program allows personal or business bank statements to calculate income without requiring tax returns.

AL
AZ
AR
CA
CO
CT
DE
FL
GA
ID
IL
IN
IA
KS
KY
LA
ME
MD
MI
MN
MS
MO
MT
NE
NV
NH
NJ
NM
NC
OH
OK
OR
PA
RI
SC
SD
TN
TX
UT
VT
VA
WA
DC
WI
WY

Let's Get Started

Property State
Loan Purpose
Looking For A Specific Mortgage Advisor?
Are You Self-Employed?
Residence Type
Credit Score
success check icon
Thanks! A Mortgage Advisor Will Be In Touch With You Shortly.
Oops! Something went wrong while submitting the form.

Product FAQ

General FAQ

How Does A Bank Statement Mortgage Program Work?
A bank statement mortgage allows eligible self-employed borrowers to use bank statements to help verify income instead of tax returns. A lender will use these statements to analyze income to prove the ability to repay a loan.
What Is The Difference Between A Bank Statement Loan And A Traditional Mortgage Loan?
Traditional loans will generally require tax returns, W-2s and paycheck stubs in order to verify a borrower’s income. A bank statement mortgage loan offers self-employed borrowers a different option to verify their income without using tax returns.
Are Self-Employed Borrowers Required To Use Bank Statement Loan Products?
A bank statement loan is often a great option for qualified self-employed borrowers. However, self-employed borrowers should choose the best loan product to help meet their mortgage needs.