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12-MONTH BANK STATEMENT LOAN
A FLEXIBLE MORTGAGE SOLUTION FOR SELF-EMPLOYED BORROWERS
A 12-Month Bank Statement Loan is designed for self-employed individuals, freelancers, and business owners who may not have traditional income documentation like W-2s or tax returns. Instead of verifying income through pay stubs, this loan program allows borrowers to qualify using their last 12 months of bank statements—providing a flexible and accessible home financing solution.
12-MONTH BANK STATEMENT LOAN
A FLEXIBLE MORTGAGE SOLUTION FOR SELF-EMPLOYED BORROWERS
A 12-Month Bank Statement Loan is designed for self-employed individuals, freelancers, and business owners who may not have traditional income documentation like W-2s or tax returns. Instead of verifying income through pay stubs, this loan program allows borrowers to qualify using their last 12 months of bank statements—providing a flexible and accessible home financing solution.
READY TO BEGIN YOUR LOAN APPLICATION?
READY TO BEGIN YOUR LOAN APPLICATION?
WHY CHOOSE A 12-MONTH BANK STATEMENT LOAN?
• No Tax Returns or W-2s Required – Qualify using bank deposits
• Higher Loan Amounts – Borrow more based on cash flow
• Flexible Credit Requirements – Alternative qualification options available
• Purchase or Refinance – Use for buying a new home or refinancing an existing mortgage
• Competitive Interest Rates – Designed for self-employed borrowers
12-MONTH BANK STATEMENT LOAN QUALIFICATIONS
• Self-employed for at least 2 years (business owners, freelancers, independent contractors)
• 12 months of consecutive bank statements required
• Minimum credit score of 620+ (varies by lender)
• Stable income deposits in personal or business accounts
• Down payment as low as 10%-20% (depends on credit & income profile)
WHY CHOOSE A 12-MONTH BANK STATEMENT LOAN?
• No Tax Returns or W-2s Required – Qualify using bank deposits
• Higher Loan Amounts – Borrow more based on cash flow
• Flexible Credit Requirements – Alternative qualification options available
• Purchase or Refinance – Use for buying a new home or refinancing an existing mortgage
• Competitive Interest Rates – Designed for self-employed borrowers
12-MONTH BANK STATEMENT LOAN QUALIFICATIONS
• Self-employed for at least 2 years (business owners, freelancers, independent contractors)
• 12 months of consecutive bank statements required
• Minimum credit score of 620+ (varies by lender)
• Stable income deposits in personal or business accounts
• Down payment as low as 10%-20% (depends on credit & income profile)
STEP-BY-STEP 12-MONTH BANK STATEMENT LOAN PROCESS
STEP-BY-STEP 12-MONTH BANK STATEMENT LOAN PROCESS
1. Apply in Minutes
Simple online application
2. Submit 12 Months of Bank Statements
No tax returns or W-2s needed
3. Get Pre-Approved
Determine your budget & loan terms
4. Underwriting & Loan Approval
Based on income deposits & financial health
5. Close & Move In
Secure home financing with an alternative income solution
1. Apply in Minutes
Simple online application
2. Submit 12 Months of Bank Statements
No tax returns or W-2s needed
3. Get Pre-Approved
Determine your budget & loan terms
4. Underwriting & Loan Approval
Based on income deposits & financial health
5. Close & Move In
Secure home financing with an alternative income solution
ADVANTAGES OF A 12-MONTH BANK STATEMENT LOAN
ADVANTAGES OF A 12-MONTH BANK STATEMENT LOAN
Perfect for Self-Employed Borrowers – No traditional income docs required
Higher Loan Amounts – Qualify based on bank deposits instead of tax returns
Flexible Loan Terms – Choose between fixed or adjustable rates
Faster Approval Process – Less documentation than conventional loans
Can Be Used for Purchases or Refinancing – Great for homebuyers & homeowners
Multiple Property Types Eligible – Primary residence, second homes, or investment properties
Perfect for Self-Employed Borrowers – No traditional income docs required
Higher Loan Amounts – Qualify based on bank deposits instead of tax returns
Flexible Loan Terms – Choose between fixed or adjustable rates
Faster Approval Process – Less documentation than conventional loans
Can Be Used for Purchases or Refinancing – Great for homebuyers & homeowners
Multiple Property Types Eligible – Primary residence, second homes, or investment properties
12-MONTH BANK STATEMENT LOAN VS. CONVENTIONAL LOAN – WHICH IS RIGHT FOR YOU?
12-MONTH BANK STATEMENT LOAN VS. CONVENTIONAL LOAN – WHICH IS RIGHT FOR YOU?
FEATURE
12-MONTH BANK STATEMENT LOAN
CONVENTIONAL LOAN
INCOME VERIFICATION
BANK STATEMENTS
W-2S & TAX RETURNS
DOWN PAYMENT REQUIRED
10%-20%
3%-20%
CREDIT SCORE REQUIREMENT
620+ (VARIES)
620+
SELF-EMPLOYMENT REQUIREMENT
2+ YEARS
NOT REQUIRED
MORTGAGE INSURANCE
NOT APPLICABLE
REQUIRED IF <20% DOWN
FEATURE
12-MONTH BANK STATEMENT LOAN
CONVENTIONAL LOAN
INCOME VERIFICATION
BANK STATEMENTS
W-2S & TAX RETURNS
DOWN PAYMENT REQUIRED
10%-20%
3%-20%
CREDIT SCORE REQUIREMENT
620+ (VARIES)
620+
SELF-EMPLOYMENT REQUIREMENT
2+ YEARS
NOT REQUIRED
MORTGAGE INSURANCE
NOT APPLICABLE
REQUIRED IF <20% DOWN
WHY CHOOSE US FOR YOUR 12-MONTH BANK STATEMENT LOAN?
WHY CHOOSE US FOR YOUR 12-MONTH BANK STATEMENT LOAN?
At Trust Lending, we specialize in helping self-employed borrowers secure home financing with non-traditional income verification. Whether you're a business owner, freelancer, or contractor, we’ll help you get the best mortgage solution without the hassle of tax returns or W-2s.
• Tailored Loan Solutions – Designed specifically for self-employed individuals
• Fast & Hassle-Free Processing – Simplified underwriting & approval
• No Tax Returns Needed – Qualify based on bank statements alone
• Technology-Driven Service – Secure, seamless digital experience
• Trusted Experience – Over 20 years in mortgage lending
At Trust Lending, we specialize in helping self-employed borrowers secure home financing with non-traditional income verification. Whether you're a business owner, freelancer, or contractor, we’ll help you get the best mortgage solution without the hassle of tax returns or W-2s.
• Tailored Loan Solutions – Designed specifically for self-employed individuals
• Fast & Hassle-Free Processing – Simplified underwriting & approval
• No Tax Returns Needed – Qualify based on bank statements alone
• Technology-Driven Service – Secure, seamless digital experience
• Trusted Experience – Over 20 years in mortgage lending
LEARN MORE ABOUT 12-MONTH BANK STATEMENT LOANS
LEARN MORE ABOUT 12-MONTH BANK STATEMENT LOANS
What Is a 12-Month Bank Statement Loan?
A 12-Month Bank Statement Loan is a non-traditional mortgage that allows self-employed borrowers to qualify for home financing based on their bank statement deposits instead of tax returns or W-2s. This program is ideal for those who earn solid income but don’t show it on traditional tax documents.
Who Can Benefit from a 12-Month Bank Statement Loan?
• Self-employed professionals & business owners
• Freelancers & independent contractors
• Commission-based workers
• Gig economy workers (Uber, Lyft, delivery services, etc.)
Types of Bank Statement Loans
• Personal Bank Statement Loan – Qualify using personal account deposits
• Business Bank Statement Loan – Qualify using business income deposits
• Purchase Loan – Buy a home with no tax return verification
• Refinance Loan – Lower your rate or cash out home equity
What Is a 12-Month Bank Statement Loan?
A 12-Month Bank Statement Loan is a non-traditional mortgage that allows self-employed borrowers to qualify for home financing based on their bank statement deposits instead of tax returns or W-2s. This program is ideal for those who earn solid income but don’t show it on traditional tax documents.
Who Can Benefit from a 12-Month Bank Statement Loan?
• Self-employed professionals & business owners
• Freelancers & independent contractors
• Commission-based workers
• Gig economy workers (Uber, Lyft, delivery services, etc.)
Types of Bank Statement Loans
• Personal Bank Statement Loan – Qualify using personal account deposits
• Business Bank Statement Loan – Qualify using business income deposits
• Purchase Loan – Buy a home with no tax return verification
• Refinance Loan – Lower your rate or cash out home equity
Trust Lending General Information
Corporate Office
Trust Mortgage Lending Corporation
8600 NW 36th St Suite 101 Doral, FL, 33166
+1 888 884 1160
info@trustlending.net
NMLS #204041
Colorado Office
Trust Mortgage Lending Corporation
8400 E Prentice Ave
Suite 1500
Greenwood Village, CO 80111
+1 888 884 1160
Tampa Office
Trust Mortgage Lending Corporation
8593 W. Linebaugh Ave
Tampa, FL 33625
+1 888 884 1160
Lic #2253533
Oregon Office
Trust Mortgage Lending Corporation
8130 SW Beaverton-Hillsdale Hwy
Portland, OR 97225
+1 888 884 1160
Lic #204041
California Office
LG Mortgage Lending Solutions
9350 Willshire Blvd
Suite 203
Beverly Hills, CA 90212
+1 888 884 1160
Lic #41DBO-108370
Helpful Links
Texas Office
Trust Mortgage Lending Corporation
700 Louisiana St
Suite 3950
Houston, TX 77002
+1 888 884 1160
NMLS #1513406
Services
©2025 Trust Mortgage Lending NMLSR ID 204041
Disclaimer: Trust Lending is not a chartered bank or trust company, or depository institution.
It is not authorized to accept deposits or trust accounts.
Trust Lending General Information
Corporate Office
Trust Mortgage Lending Corporation
8600 NW 36th St Suite 101 Doral, FL, 33166
+1 888 884 1160
info@trustlending.net
NMLS #204041
Tampa Office
Trust Mortgage Lending Corporation
8593 W. Linebaugh Ave
Tampa, FL 33625
+1 888 884 1160
Lic #2253533
Texas Office
Trust Mortgage Lending Corporation
700 Louisiana St
Suite 3950
Houston, TX 77002
+1 888 884 1160
NMLS #1513406
California Office
LG Mortgage Lending Solutions
9350 Willshire Blvd
Suite 203
Beverly Hills, CA 90212
+1 888 884 1160
Lic #41DBO-108370
Colorado Office
Trust Mortgage Lending Corporation
8400 E Prentice Ave
Suite 1500
Greenwood Village, CO 80111
+1 888 884 1160
Oregon Office
Trust Mortgage Lending Corporation
8130 SW Beaverton-Hillsdale Hwy
Portland, OR 97225
+1 888 884 1160
Lic #204041
Services
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FHA Loans
Reverse Mortgages
VA Loans
Jumbo Loans
Foreign National Loans
Helpful Links
Accessibility Statement
Company Overview
Terms and Conditions
Privacy Policy
NMLS Consumer Access
©2025 Trust Mortgage Lending NMLSR ID 204041
Disclaimer: Trust Lending is not a chartered bank or trust company, or depository institution.
It is not authorized to accept deposits or trust accounts.