Bank Statement Loan Program

At Western Pacific Home Loans, we understand the challenges faced by borrowers unable to verify income or qualify for a home loan, through standard means like tax returns, W2s, and pay stubs. Our bank statement mortgage programs serve as a solution, empowering you to prove your ability to repay by providing 12 or 24 months worth of bank statements.

Say goodbye to traditional stated income loans or having to provide your Tax Returns when trying to qualify, as bank statement loans offer a more inclusive option, enabling borrowers to secure the home of their dreams. Discover if a bank statement home loan from Western Pacific Home Loans aligns perfectly with your financial needs. Experience a new way to qualify for a mortgage with our non-QM, non-traditional, and expanded criteria loans by qualifying your income with bank statement loans.

- Loans up to $3 million
- Two years of seasoning are required for foreclosure, short sale, bankruptcy or deed-in-lieu
- Available for purchase, cash-out or rate-term refinance
- Primary, second home, or investment properties
- Single-family, townhomes, or condos
- 12 or 24 months of business or personal bank statement submissions
- Additional documentation will be required for qualifying income and loan approval
- 1099 income option available
- Non-warrantable condos allowed
- 40-year fixed interest-only available

A bank statement mortgage allows eligible self-employed borrowers to use bank statements to help verify income instead of tax returns. A lender will use these statements to analyze income to prove the ability to repay a loan.