The Mortgage Outlet's Bank Statement Loan Program offers an alternative to traditional income documentation.
This program helps self-employed borrowers qualify for a home loan with greater flexibility by using 12 months of personal or business bank statements—instead of W-2s or tax returns.
The Mortgage Outlet is a family-owned mortgage broker and lender offering home purchase and refinance loans for residential properties.
Who Is This Program For?
Self-employed borrowers with strong cash flow but non-traditional documentation
Business Owners
Freelancers
Independent Contractors
Gig Workers
Why Choose Us?
Trust
Real people. Real support.
In a world full of fakes.
Super Fast
Close your loan in as few
as 10 days—no surprises.
No Junk Fees
Nobody has time for application
or loan processing fees
Our Loan Officers
Key Benefits:
No tax returns or W-2s required- Higher qualifying income than traditional documentation may allow
- Â Individuals with write-offs or variable monthly income
- Competitive interest rates for creditworthy self-employed borrowers
- Can be used for purchase, refinance, or cash-out
- Loan amounts up to $2 million
- Â Loan to values up to 90%
- Â Credit scores down to 660
- Â Individuals with write-offs or variable monthly income
The following are eligible occupancy types:
- Primary residences
- Second Homes
The following are eligible property types:
- SFR
- 2-4 Unit
- Condo
- Site Condo
- PUD
Â
How It Works:
Submit 12 consecutive months of business or personal bank statements
Income is calculated based on eligible deposits and standard expense factors
Credit score, assets, and property type are considered for loan terms
States We Serve
The Mortgage Outlet is licensed to provide mortgage loans in California, Colorado, Oregon, and Washington. Whether you're buying your first home or refinancing, we’re here to help with local expertise and competitive loan programs tailored to each state.