Bank Statement Loans From a San Diego Lender.
Loans from $150,000 to $3.5 Million, qualified using twelve or twenty-four months of personal or business bank statements, for a primary residence, second home, or investment property.
Qualify on bank statements, not tax returns.
However your business earns, there’s likely a path that fits.
- $150,000 to $3.5 Million, qualified from deposits
- Twelve or twenty-four month options
- Self-employed borrowers welcome
- Purchase or refinance primary, second, and investment homes
- Purchase, rate-and-term refinance, and cash-out available
- Fixed and adjustable rate options
- Financing to 90% of value, with the highest tiers reserved for the strongest credit*
Qualify using twelve or twenty-four months of bank statements
Personal or business accounts accepted
Primary, second home, or investment property
Purchase, rate-and-term refinance, or cash-out
One to four units, condominiums, and townhomes eligible
Fixed-rate and adjustable-rate (ARM) options
What is the Saxton 24 Month Bank Statement Loan?
A loan qualified from deposits rather than tax returns
The Saxton 24 Month Bank Statement Loan is built for self-employed borrowers, qualifying from the deposits your accounts actually receive rather than from net income after deductions.
Qualify using twelve or twenty-four consecutive months of personal or business bank statements, with business accounts reviewed by expense ratio or a third-party prepared statement.
Use it to purchase a home, refinance your current mortgage, or take cash out of your equity, on a primary residence, second home, or investment property, with loan amounts from $150,000 to $3.5 Million.
Why choose the Saxton 24 Month Bank Statement Loan?
Built for self-employed borrowers whose tax returns understate what the business actually earns.
Business Owners
Deposits show the revenue that write-offs hide on a tax return.
Independent Contractors
Qualify on what your accounts actually received rather than net income after deductions.
Commission Earners
Uneven months smooth out across a twelve or twenty-four month deposit history.
Restaurant & Retail Owners
High-volume deposit businesses qualify on the statements you already produce.
Real Estate Professionals
Agents, brokers, and investors with variable income can document it this way.
Two Years Of Deposits
Twenty-four months of deposits build the income picture.
Hear From Homeowners Like You
Frequently Asked Questions
The questions we get asked most about the 24 Month Bank Statement Loan.
Twelve or twenty-four consecutive months, depending on the option you choose and the profile of your business. Loan amounts on this program run from $150,000 to $3.5 Million, generally starting around a 660 credit score.
Yes. Business accounts can be reviewed using a fixed expense ratio, a third-party expense ratio, or a profit and loss statement prepared by a third party.
The bank statement route qualifies you from deposit activity instead of tax returns. Other documents may still be required to complete the file.
Generally at least two years of self-employment history. A licensed loan officer will confirm what applies to your situation.
One to four unit properties, planned unit developments, townhomes, and warrantable condominiums. Non-warrantable condominiums are eligible with additional requirements.
Yes. Primary residences, second homes, and investment properties are all eligible, though terms differ by occupancy.
Yes, cash-out refinancing is available. The amount you can access depends on your equity, credit profile, and property type.
Find out what you qualify for
Whether you’re buying, refinancing, or pulling cash out, there’s likely a Saxton 24 Month Bank Statement Loan option that fits. Get a fast, no-obligation pre-qualification today.
Get Pre-Qualified*Loan amounts, rates, terms, and down payment requirements are subject to credit approval, income and asset verification, and program eligibility. Down payment and cash-out limits vary by occupancy, credit score, and documentation type. Not all applicants will qualify. Saxton Mortgage, LLC is an Equal Housing Lender.