Bank Statement Home Loan Programs

From Full Circle Home Loans Serving Florida, Arizona, and Southern California Including Upland, Temecula, and Newport Beach

If you’re self-employed or one of the millions of Americans who earn their living in a way that does not involve a W2, don’t let fear of being turned down stop you from buying a home!

We offer Bank Statement Home Loan Programs in all three of our locations to serve you better. Full Circle Home Loans have offices in Upland, Temecula, and Newport Beach, California. 
Contact us at or visit any one of our California locations!

Bank Statement Home Loan Programs for Self-Employed & Contract Borrowers

When you apply for a mortgage, most lenders will require you to provide your W-2s and tax returns as proof of your income. But what if you don't have those? 

Especially if you are self-employed?

If you’re an entrepreneur, business owner, freelancer, or contract worker, our Bank Statement Home Loan Program allows you to find a mortgage without showing net income on taxes or pay stubs. 

Instead, we use your bank statements to calculate your income!

The Difference Between Bank Statement Home Loan Programs and Traditional Loans

Traditional mortgage loans typically require tax returns, W-2s, and paycheck stubs to verify income. 

Our Bank Statement Home Loan Program offers you a chance to use bank statements to verify your income instead of tax returns.  

Eligibility for Bank Statement Programs

If you fall into one of these employment categories, you may be eligible: 

  • Self-employed applicants

  • Independent contractors

  • Workers with seasonal income

  • Gig workers, side hustlers, or freelancers

  • Other earners with irregular income streams

If you fit one of these descriptions, we are happy to help you secure a Bank Statement Home Loan and would love to be your residential mortgage lenders in North San Bernardino, Orange, LA, Riverside, and San Diego counties. 

What You Need for the Bank Statement Program

To qualify, self-employed borrowers may provide the following:

  • 1-2 years of (12 or 24) business or personal bank statements, or 1 or 2 years of 1099s 

  • A 2-year history of self-employment

Full-Service Mortgage Brokerage Company

A bank statement loan is often an excellent choice for qualified self-employed individuals. However, you should choose the best loan product to help meet your needs.

As a full-service mortgage brokerage company, we have different mortgage programs for every size and type of home buyer. 

Big banks typically offer a one-size-fits-all approach, but we know that no two buyers are alike, so it's important to us not just fit all customers into the same category for mortgage programs. 

Here are a few of some other products we offer:  

Trust us; we will find the perfect loan for your situation.

Contact Us

At Full Circle Home Loans, we can help those who are self-employed with our Bank Statement Home Loan Program.*

You don’t have to show tax returns to buy a new home or to refinance an existing home that you already own with our Bank Statement Home Loan Program.*Advertising that contains a statement that the licensee can arrange “low doc/no doc“, ”no income/no asset“, ”stated income“bank statement , ”stated asset“, ”no ratio” or similar loan products must include a statement that these products may have a higher interest rate, more points or more fees than other products requiring documentation. Cal. Code Regs. tit. 10, §2848.

Learn more about us and reach out to us by calling 951.538.6093, emailing office@fchomeloans.com, or contacting us to discuss your mortgage loan financing needs today!