I’m Michael DiVita — DRE #01372066 | NMLS #241655, DiVita Home Finance (DRE #01818285 | NMLS #323700), Tiburon, CA. I’ve been in California mortgage lending since 2000 and founded DiVita Home Finance in 2007. Bank statement loans for Marin County self-employed buyers are one of my specialties — I close these regularly and move fast in a market where speed matters. Call (800) 239-1103.
Marin County is one of California’s most desirable — and most expensive — real estate markets. With median home prices in many cities exceeding $1.5 million and top-end properties reaching $5 million or more, Marin buyers frequently need jumbo financing. And many of Marin’s highest-earning residents are self-employed professionals whose tax returns don’t reflect their actual wealth — which is exactly where bank statement loans come in.
Why Bank Statement Loans Work for Marin Buyers
Marin’s self-employed population includes consultants, designers, marketing professionals, attorneys, therapists, real estate agents, contractors, restaurateurs, and entrepreneurs of every kind. Most write off significant business expenses, which creates the classic conventional mortgage problem: strong real income, low taxable income. A Marin business owner generating $500,000 in annual revenue with $300,000 in deductions shows $200,000 in net income on their tax return — but is actually cash-flowing at a much higher level. Conventional underwriting uses the $200,000. A bank statement loan uses what’s actually flowing through the accounts.
Non-QM bank statement lenders focus on your deposit history, not your Schedule C. A Marin business owner depositing $35,000–$40,000/month qualifies for significantly more home than their tax return would suggest — often $2 million or more in purchase price with the right down payment. I work with 40+ wholesale lenders, several of whom are strong bank statement specialists with aggressive programs for high-loan-amount Marin transactions.
Bank Statement Loan Parameters for Marin County
Most programs I use for Marin buyers accept 12 or 24 months of personal or business bank statements. Minimum FICO is typically 620, though 720+ is recommended for the jumbo loan amounts most Marin purchases require. Down payment ranges from 10% to 20% depending on loan amount and program, with loan amounts available up to $3 million and above with select lenders. Closings typically run 21–30 days — competitive in Marin’s fast-moving market.
Marin County Markets I Cover
I finance bank statement loans throughout Marin County — Mill Valley (popular with consultants and tech executives), Tiburon (waterfront luxury, strong non-QM jumbo market), Sausalito (artists, professionals, water-view properties), San Rafael, Corte Madera, Larkspur, Greenbrae, Kentfield, Fairfax, San Anselmo, Novato, Ross, and Belvedere.
Frequently Asked Questions — Bank Statement Loan Marin County
How does a bank statement loan work for a self-employed Marin County buyer?
Instead of using your tax returns to verify income, the lender analyzes 12 or 24 months of your bank statements. They calculate average monthly deposits — typically using 50% of business deposits (to account for business expenses) or 100% of personal deposits — to determine your qualifying income. If your business accounts show $600,000 in deposits over 12 months, the lender may use $300,000 as annual qualifying income ($25,000/month) even if your tax return shows far less. This allows self-employed Marin buyers with strong cash flow but significant write-offs to qualify for the jumbo loans Marin purchases require.
What credit score do I need for a bank statement loan in Marin County?
Most bank statement programs have a minimum FICO of 620, but for the jumbo loan amounts most Marin County purchases require ($1.5M–$4M+), I recommend 720+ for the best rate and program access. Higher credit scores in non-QM lending produce meaningfully better rates — the spread between a 680 and a 760 score on a $2M bank statement loan can be 0.5%–1.0%, which at Marin loan amounts represents thousands per year in interest. If your score is in the 660–720 range, I can review your credit report and identify specific actions to improve it before application.
How fast can a bank statement loan close in Marin County?
21–30 days from application to close is typical for a well-prepared bank statement loan with complete documentation. Non-QM lenders who specialize in bank statement programs make their own underwriting decisions rather than routing through automated systems — which can actually make them faster than conventional banks on complex self-employed files. Marin sellers receive multiple offers and favor buyers who can close quickly. I provide a strong, fully-documented pre-approval that I coach you on presenting to listing agents to strengthen your offer and demonstrate financing credibility.
Related: Marin County mortgage hub | Self-employed mortgage guide | Bay Area bank statement loans
Talk to Michael Directly
DiVita Home Finance | Tiburon, CA | In lending since 2000, founded DiVita Home Finance in 2007. Michael DiVita DRE #01372066 | NMLS #241655. Company DRE #01818285 | NMLS #323700.
💬 Text: (310) 849-9124
