Bank Statement Loan Requirements: Credit Score, Down Payment and Reserves
What a bank statement loan typically requires for credit score, down payment and reserves, and why the real hurdle is total cash, not the down payment.
8 min read
Bank Statement Loans
Every article on bank statement loans, newest first.
The Complete Bank Statement Loan Guide for Self-Employed Borrowers
How bank statement loans work, who qualifies, how income is calculated, what the fine print says, and how to prepare. Written by a 20-year mortgage broker.
14 min read
What Is a Bank Statement Loan and How Does It Work?
A bank statement loan qualifies you on 12 months of deposits, not tax returns. Here's how I calculate the income and where files go wrong.
7 min read
Conforming Loans Just Lost Their Majority. Here's Why Self-Employed Borrowers Should Care
Conforming loans fell to 47% of mortgage locks in August 2026 while non-QM passed 11%. Here's what that shift means if you're self-employed or own a business.
· 4 min read
Non-QM Mortgages Just Hit a Record High. Here's What That Means If You're Self-Employed.
Non-QM loans hit a record 11.3% of mortgage volume in August 2026. Here's what that means if you're self-employed or investing in rental property.
· 4 min read
Rates Dipped This Week. Here's Why Self-Employed Buyers Shouldn't Read Too Much Into It.
Mortgage rates eased this week after a bond market scare, not a real shift. Here's what self-employed and business owner borrowers should do now.
· 4 min read
Self-Employed? Here's How to Actually Get a Mortgage in 2026
The three ways a self-employed borrower can qualify for a mortgage, in the order I check them, and what to bring on the first call.
· 7 min read
7 Bank Statement Mistakes That Slow Underwriting
Seven mistakes that stall bank statement loans, from mismatched account names to underwriter conditions nobody challenged, and how to fix each before you apply.
· 6 min read