Bank Statement Program
Use bank statements to qualify, not tax returns
Leverage your bank statements to secure a favorable home loan. Ideal for self-employed borrowers, this program uses 12-24 months of bank statements instead of traditional tax returns to verify income.
Key Features
- 12 or 24 month bank statement options
- No tax returns required
- Designed for self-employed borrowers
- Competitive rates for non-QM loans
Who Is This For?
Self-employed borrowers, business owners, and freelancers whose tax returns don't reflect their true income.
How It Works
Three steps from your first question to keys in hand.
Apply in minutes
Answer a few simple questions online — no credit check to get started.
We review your file
A licensed loan officer reviews your goals and matches you to the right program.
Close on your home
Sign your docs and get the keys — we handle the paperwork and lender coordination.
What You'll Need
A few basics get the ball rolling. Your loan officer will walk you through anything specific to the Bank Statement program.
Start My Pre-Approval- Government-issued photo ID
- Two most recent pay stubs or proof of income
- Last two years of W-2s or tax returns
- Two months of bank statements
- Property information (if you have a home in mind)
Frequently Asked
Answers to the questions we hear most about the Bank Statement program.
Do I need perfect credit to qualify?+
No. We work with a wide range of credit profiles and will help you find the right program for your situation — even if you've had bumps along the way.
How long does the pre-approval take?+
Most clients get pre-approved within 24 hours. The initial online form takes about 10 minutes to complete.
Is there a fee to apply?+
Applying and getting pre-approved is completely free. There's no obligation, and we never run a hard credit check until you're ready to move forward.
Can I lock my rate?+
Yes. Once you have an accepted offer, we can lock your rate to protect you from market swings while your loan is in underwriting.
Ready to Get Started?
Get pre-approved for a Bank Statement loan in minutes. No credit check, 100% free, no obligation.
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Zoom Home Lending, LLC — NMLS #2620616