Bank Statement Loans

Bank Statement Loans help business owners, the self-employed, gig workers, or retired borrowers get a home loan based on bank statements instead of tax returns.

Product highlights

Up to 100% of eligible deposits averaged for income
Qualify using 12–24 month options including
• Personal bank statements and/or business bank statements
• Third party prepared expense statement
• Third party prepared P&L statement
600 minimum credit score
Debt-to-income ratios up to 55%
Loan amounts up to $4,000,000
Up to 90% LTV to $1.5M for primary residence purchase
Up to 85% LTV to $1.5M for second home & investment property
Multiple businesses eligible
Other income types can be combined with bank statement qualifying
Interest only available
No mortgage insurance required over 80% LTV
Departing residence waiver options available

Borrower advantages

Business owners can show 12-24 months of bank statements
Typically, we will accept debt to income ratios up to 50%
Fixed-rate, adjustable or interest-only mortgages available
Sellers can put up to 6% of the sales price in closing costs (2% for investment homes)

Realtor advantages

Provides a solution for borrowers who would typically not qualify for traditional loans, but can demonstrate stable and consistent income each month
Expand your reach with selfemployed or side-hustle borrowers with non-traditional loan solutions

What Clients Say About Us

“Daniel was great! Very efficient and very friendly. He always got back to us in a timely manner and always called us to explain things rather than just texting. Very personable guy! Very quick as well! We closed 2 weeks sooner than expected. I cannot say enough nice things about preferred rate, I definitely recommend them to everyone!”

Megan H

“I cannot put into words how amazing Dan and his team were during this whole process. They consistently went above and beyond to ensure I was fully taken care of. Not working with a realtor was a bad call on my part, but Dan was there every step; and a few bumps, offering unbiased advice and making sure I was taken care of. This momma and her girl tribe finally have a place of their own to call home; I am so thankful for Dan and his team!”

Savannah C

“This is my second home purchase using Dan. He is great to work with, he explains everything and is always there to answer any questions.

Update: When rates dropped early October 2025, Dan reached out to let me know and we knocked the refinance quickly. Dan is also always quick to answer questions no matter time or day of the week. No one else I’d rather do business with.”

Nate W

“We don’t have enough good things to say about Bihn Group! We tried to buy a house years ago and were consistently disappointed, houses sold out from under us, etc. so we gave up! We reached out to Dan this time around and he was so efficient and kind about everything! He answered all of our questions with honesty and we were so lucky to find our dream house as quickly as we did. Our son hasn’t stopped running around in our yard since we moved in! Thank you, Dan and Bihn Group for helping us achieve this goal in life!”

Taylor S

“Thank you for making a dream a reality. For years my husband, kids and I would talk about the perfect house we would have one day. It’s easy to find a house but difficult to get the keys and even more difficult to tell your kids this one didn’t work out. Dan, thank you for directing and clearing the path to our new home. We are extremely grateful!”

The McCulley’s