A Home Loan Built Around Your Bank Statements.
Qualify with 12 or 24 months of bank statements and no tax returns, for purchase, refinance, or cash-out up to $3 million.*
One program. Many ways to qualify.
However you earn, there’s likely a path to approval.
- Self-employed? Qualify with 12 or 24 months of bank statements
- Loan amounts from $150,000 up to $3 million*
- Business owners: qualify by expense ratio or a third-party P&L
- Use 12 or 24 months of personal or business bank statements
- Purchase & refinance with low-down-payment options, and cash-out is also available*
- Primary homes, second homes, and investment properties*
Loans from $150K up to $3 Million*
Buy, refinance, or take cash out
Primary, second home, or investment property
Qualify with 12 or 24 months of bank statements instead of tax returns
Low-down-payment options available*
Fixed, adjustable, and interest-only options
What is the Saxton Bank Statement Home Loan?
Home financing that qualifies you on deposits, not tax returns
The Saxton Bank Statement Home Loan is a full-featured mortgage for self-employed borrowers who qualify using their bank deposits instead of tax returns.
Qualify using 12 or 24 months of personal or business bank statements, with no tax returns required. It documents income the way your business actually earns it.
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 up to $3 million.*
Why choose the Saxton Bank Statement Home Loan?
Built for self-employed borrowers whose tax returns don’t tell the whole story.
Self-Employed & Business Owners
Qualify on 12 or 24 months of bank-statement deposits instead of tax returns.
Real Estate Investors
Finance investment properties, including 2–4 units, warrantable and non-warrantable condos.
Jumbo & High-Balance Buyers
Loan amounts up to $3 million for higher-priced homes and move-up purchases.
Cash-Out Refinance
Tap your equity to reinvest, consolidate, or fund your next move on eligible properties.*
Business Bank Statements
Business owners can qualify by expense ratio (fixed or third-party) or a third-party-prepared P&L.
Flexible Loan Structures
Choose fixed-rate, adjustable-rate (ARM), or interest-only payment options on eligible programs.
Hear From Homeowners Like You
Frequently Asked Questions
The questions we get asked most about the Bank Statement Home Loan.
Loan amounts range from $150,000 to $3 million, depending on your credit, income documentation, property type, and occupancy.
Yes. Qualify using 12 or 24 months of personal bank statements, or business bank statements via an expense-ratio method or a third-party-prepared P&L, with no tax returns required.
You can use it to purchase a home, refinance an existing mortgage (rate/term), or take cash out, on a primary residence, second home, or investment property.
Programs are available for credit scores starting at 660, with the most flexible terms available at higher scores.
Qualified buyers can purchase with low-down-payment options. Requirements vary by credit score, occupancy, and loan amount.*
Yes. Fixed-rate, adjustable-rate (ARM), and interest-only options are available on eligible programs.
Yes, cash-out refinancing is available. The amount you can access depends on your equity, credit profile, and property type.
A bank statement loan lets qualified self-employed borrowers document income using business or personal bank deposits instead of tax returns. It is designed for people whose tax returns understate their actual cash flow because of business write-offs.
Instead of W-2s and tax returns, the lender reviews a set period of bank statements to establish an income pattern from your deposits. That figure is then used to determine what you may qualify for, alongside credit, assets, and the property itself.
Programs commonly review either 12 or 24 months of statements. Which one fits depends on your business type and how consistent your deposits are. Starting the finder is the quickest way to see which option applies to you.
No. That is the point of the program. Qualification is based on deposit history rather than tax returns, which is why it works well for self-employed borrowers with significant deductions.
Self-employed borrowers, business owners, contractors, and commission-earners whose tax returns do not reflect their real earning power. Guidelines vary, and not all applicants will qualify.
Yes. Saxton Mortgage is headquartered in San Diego, California, and we are licensed to lend in California along with most other states. Bank statement financing is one of our most requested programs among self-employed borrowers across Southern California, where a large share of buyers own their own business. Call (800) 432-1154 to confirm we are licensed in your state.
Find out what you qualify for
Whether you’re buying, refinancing, or pulling cash out, there’s likely a Saxton Bank Statement Home Loan program 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. Maximum loan amount $3,000,000. 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.