Bank Statement Loans

Our bank statement loan program is a loan option for self-employed borrowers. Instead of looking at tax returns to calculate your income, we have the ability to use a 12 month history of deposits on either a personal or business bank account to calculate your income. Bank statement loans can be used to purchase or refinance. Rates start as low as 3.5% APR.


Program Requirements

-12 Months of Personal or Business Bank Statements Can Be Used To Qualify

-NO 1040’s, Tax Returns or W2’s required

-Loan Amounts Up To $3 Million

-640+ Fico Score

-Prior Foreclosure OK

-Prior Bankruptcy OK

Frequently Asked Questions

How Does A Bank Statement Mortgage Program Work?

A bank statement mortgage allows self-employed borrowers to use 12 months of bank statements to verify income instead of tax returns.

What Is The Difference Between A Bank Statement Loan And A Traditional Mortgage Loan? 

Traditional loan products will generally require tax returns, W-2’s and paycheck stubs in order to verify income. A bank statement loan offers self-employed borrowers a different option to verify their income without using their tax returns.

Are Self-Employed Borrowers Required To Use Bank Statement Loan Products?

A bank statement loan is often a great option for self-employed borrowers as the banks typically count all tax deductions against the self-employed


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See What Our Clients Are Saying…

“Ryan, Rimington, and the team were a pleasure to work with. This was our first home, and after having such a bad experience with the preferred lender, a co worker referred us to them, and the process became so much easier. They were constantly checking in with us and giving us updates so we felt confident with the entire process, even when things got stressful toward the end. They were a constant advocate and fun to talk to and work with. I would recommend them to anyone :)”
Krichia C.

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If you are on the fence about using Homepad Lending like I was initially i can tell you without hesitation you absolutely should! This was by far the easiest, quickest and less stress refi experience I have ever had from beginning to end!
Ryan was so helpful and answered all my questions quickly. Rimi was great and kept in touch every step of the way! Keep up the good work guys!
Mark P.

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“I just wrapped up my refinance with HomePad Lending. Ryan Harris and his brother Rimington, were outstanding. We had an initial issue with debt to income ratios but Ryan found another lender that was willing to work with us. I couldn’t be more happier. I ended up with an additional $375 per month in my pocket thanks to Ryan’s persistence. I highly recommend HomePad Lending for all your financing needs. Thank you Ryan and Rimington!!!!”
David L.

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“Rimington did a great job on processing our refinance. We got a great rate and closing costs were minimal. They closed the loan in less than thirty days and everything went smooth. I would use them again in the future!”
Mark W.

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