Bank Statement Loans
Qualify with Ease: Bank Statement Mortgage Loans
Having trouble qualifying for a mortgage loan? You’re not alone, we’re here to help. As America’s #1 consumer direct non-QM lender, Mbanc leads the way in providing innovative, direct-to-consumer mortgage solutions.
We believe that bank statements tell the real truth—and that’s why, as a consumer direct non-QM lender, our streamlined Bank Statement Mortgage Program uses your actual financial history, rather than traditional qualifications. Skip the hassle and partner with the right team today to secure the mortgage loan you deserve.
MBANC’s
97% Pull-Through Rate: Confidence You Can Count On
What does a 97% pull-through rate mean for you? It means when we say you’re pre-approved, we truly mean it. Our pre-approvals aren’t just empty promises based on automated forms; they’re backed by thorough, expert evaluations of your information.
We respect your time, your realtor’s efforts, and the importance of your property deal. With Mbanc, you can confidently move forward knowing that our pre-approved borrowers successfully reach full underwriting approval.
Ready to experience the difference? Apply today and let Mbanc show you what true commitment looks like.
Try Our 2-Minute QuickQual
Simplified Solutions for the Self-Employed
At Mbanc, we understand that traditional documentation isn’t always the best reflection of your financial strength—especially if you’re self-employed. That’s why our Bank Statement Jumbo Mortgage Program makes it simple to qualify. No pay stubs required—qualify without returns or pay stubs, and there’s no need for W-2s, tax returns, or pay stubs to qualify. You can even qualify without a credit social security number by using alternative documentation such as bank statements, rental income, or assets.
Why choose Mbanc?
- Loan amounts available up to $4 million
- Unlimited cash-out refinance options up to $3 million
- Minimum 660 FICO credit score required
- Qualify easily with 12-24 months of bank deposits
- Use either personal or business bank statement deposits
- Maximum Loan-To-Value (LTV) of 85%
- Interest-only mortgage options available
We had such a great experience with the Mbanc team! While our previous lender failed to honor their quoted terms just days before the escrow was set to close, Mbanc stepped up and funded our loan right on schedule. I highly recommend Mbanc for anyone buying a home.
S. V.
How the process works
It's as Easy as Using Your Bank Deposits to Qualify for a Mortgage
You can qualify using cash, semi-liquid assets, or bank deposits, making the process more flexible than traditional income documentation. This means you may qualify using cash semi or by using cash semi-liquid assets, which can streamline approval. These options allow you to make a high-value property purchase using alternative qualification methods, leveraging your available assets instead of relying solely on W-2s or tax returns.
Let's talk
Connect with our expert mortgage bankers for a brief, informative conversation with an understanding, knowledgeable loan agent. No obligation, just personalized advice at our expense.
Document Collection
Submit 12–24 months of business or personal bank statements. We’ll analyze deposit history and average monthly income.
Loan Structure & Pre-Approval
We match your financial profile to a custom-built loan. You’ll receive a strong pre-approval you can use to shop or refinance with confidence.
Appraisal & Underwriting
We handle everything in-house with Non-QM experts who know how to read bank deposits—not just tax forms.
Appraisal & Underwriting
We handle everything in-house with Non-QM experts who know how to read bank deposits—not just tax forms.
Primary residences, second homes, and investment properties
The best thing about the mbanc Bank Statement loan is that it is flexible about the type of property you can use it for.
Whether it is a home or investment, why not take advantage of the equity-building, tax breaks, and long-term financial diversification that the property offers?
Mortgage Solutions Tailored for the Self-Employed
Mortgage Approval Made Simple
At Mbanc, our mortgage programs are specially crafted to match your unique financial situation. Our expert team provides premier service designed specifically for entrepreneurs, investors, and business owners.
Mbanc offers direct non-QM home loans tailored for investment property and high value property purchase, providing flexible solutions for clients who may not qualify through conventional methods. Whether you are acquiring a high value property or expanding your investment property portfolio, our streamlined process is designed to meet your needs.
You can qualify for investment property loans using proposed rental cash flow and term rental property business income, allowing you to leverage projected rental income and business activity instead of traditional documentation.
We also provide market insights and investment strategies, leveraging studies, expert analysis, and the latest market trends to help you make informed decisions and maximize your returns.
Rental Income DSCR
Turn investment properties into steady streams of wealth and income.
Interest-Only Mortgage
Maximize your investment strategy with interest-only loans and valuable tax benefits.
Self-Employed Mortgage Program
Discover how Bank Statement Mortgages can empower self-employed individuals on their path to securing mortgage financing
Blog
Bank Statement Mortgage Success Stories
The Problem with Traditional Lending
If you’re self-employed, a 1099 contractor, an investor, or a high-net-worth individual, you’ve likely experienced it firsthand: traditional lenders don’t understand your income.
You make strong, consistent money. Your bank accounts show it. Your assets prove it. But because you’ve optimized your taxes, reinvested in your business, or taken advantage of legal deductions, your tax returns tell a different story—and that story doesn’t fit the box traditional banks need it to fit.
The result? You’re either denied a mortgage or stuck explaining your income to underwriters who don’t understand how you earn.
At Mbanc, we offer a better way forward: the Bank Statement Mortgage Loan.
Ready to Get Started?
Speak with an MBANC Loan Expert today and get personalized guidance for your mortgage needs. As a leading non-QM home lender, MBANC leverages our team’s combined experience to deliver innovative solutions for a wide range of borrowers.
Frequently Asked Questions
Contact us for a complimentary quote on our competitive rates to discover your potential qualification amount.
What is a Bank Statement Mortgage Loan?
A Bank Statement Mortgage Loan is a Non-QM (Non-Qualified Mortgage) product that allows borrowers to qualify using their actual bank deposits rather than tax returns, W-2s, or traditional income documentation.
We analyze 12 to 24 months of business or personal bank statements to determine your income, giving you the freedom to qualify based on your real cash flow—not what you report after deductions.
This type of loan is ideal for borrowers with strong earning power who don’t fit the traditional employment model.
Who is a Bank Statement Loan For?
Mbanc’s Bank Statement Loan program is specifically designed for high-performing, self-made borrowers, including:
- Self-Employed Entrepreneurs
Business owners, agency founders, service providers, or anyone who runs their own company and earns through corporate or pass-through income. - 1099 Contractors
Sales professionals, consultants, creatives, realtors, and gig-economy leaders who earn outside of a W-2 structure but show consistent deposits. - Real Estate Investors
Property owners using rental income or portfolio gains to build wealth, especially those with depreciation and write-offs on their returns. - High-Net-Worth Individuals
Those with complex holdings, diversified income streams, and a preference for privacy or tax efficiency.
If you make money, have money, and don’t want to spend months justifying it to a traditional bank, a Bank Statement Loan with Mbanc is the right fit.
Key Benefits of Using a Bank Statement Loan
The program accommodates a wide range of property types, including single-family residences, condos (whether warrantable or non-warrantable), condo-tels, and residential units ranging from 1-4 units.
Can I qualify for a Bank Statement Mortgage using multiple income sources?
Many people buying homes may need to combine sources of income to qualify for a mortgage. Traditionally, this means two or more tax returns. However, self-employed borrowers can qualify for a self-employed mortgage using multiple sets of bank statements for the different businesses you may have.
What are the available refinance options for a Bank Statement Mortgage?
This program provides a variety of refinance options, including rate & term refinance and unlimited cash-out refinance options, with the latter allowing you to access up to $3 million in cash.
What are the rates for Bank Statement Mortgages?
Your specific mortgage rate is influenced by a range of elements: income evaluation method, down payment/equity status, credit score, loan term, income, and debt. Reach out to us for a complimentary quote on our competitive rates for self-employed mortgages and discover your potential qualification amount.