Bank Statement Loans in California
Self-employed Californians often face challenges qualifying for traditional mortgages. DiVita Home Finance offers bank statement loans — also called non-QM loans — that use your bank deposits instead of tax returns to verify income, making homeownership accessible for entrepreneurs, business owners, and freelancers.
What Is a Bank Statement Loan?
A bank statement loan is a non-qualified mortgage (non-QM) that qualifies borrowers based on 12-24 months of bank statements rather than W-2s or tax returns. This is ideal for self-employed borrowers whose tax returns don’t reflect their true cash flow due to legitimate business deductions.
Bank Statement Loan Benefits
- No tax returns or W-2s required
- Qualify using 12 or 24 months of bank statements
- Available for business or personal bank accounts
- Loan amounts up to $3 million
- Available for purchase and refinance
- Primary residence, second homes, and investment properties
Who Qualifies?
Bank statement loans are ideal for self-employed borrowers, business owners, freelancers, gig economy workers, real estate investors, and anyone with non-traditional income documentation. You’ll typically need 12-24 months of consistent bank deposits, a credit score of 620+, and a down payment of 10-20%.
Get a Bank Statement Loan in California
DiVita Home Finance works with specialized non-QM wholesale lenders across California. Whether you’re in Marin County, the Bay Area, Los Angeles, or San Diego, we can help you qualify. Call (800) 239-1103 or apply online today.
Ready to Get Started?
Get pre-approved today or speak with one of our local mortgage experts. No cost, no obligation.
Or call us directly: 800-239-1103 — available 7 days a week.
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