MGB Financial Services, Inc
18300 Gridley Road, Suite I
Artesia, CA 90701
Phone No: 562-809-2643/Fax No:562-809-0644
Email: MGBLoan@yahoo.com
BRE# 00984310
NMLS# 257-608/280-127
Bank Statement Program Loan
A Bank Statement Program Loan is a type of mortgage loan designed for self-employed individuals or business owners who may not have traditional proof of income (like W-2s or tax returns). Instead of using tax documents, the lender uses bank statements (usually 12–24 months) to verify income.
In Simple Terms:
- Traditional loan = You prove income with W-2s, tax returns, pay stubs.
- Bank Statement loan = You prove income with bank deposits (usually business or personal account activity).
These are non-QM (non-qualified mortgage) loans, meaning they’re outside typical government-backed programs. Offered by:
- Mortgage brokers
- Specialty lenders
Many self-employed people earn a good income but write off large expenses on taxes — making their taxable income appear low.
Traditional lenders deny them loans because their reported income seems too small. Bank statement loans solve that problem.
- No tax returns or W-2s required
- Easier qualification for self-employed
- Customizable underwriting
- Flexible income documentation
- Use of real income rather than “taxable” income
Why Pre-Qualify with Us?
Quick & Simple Process
Get pre-qualified quickly — no complicated paperwork or long waits.
Shop with Confidence
Know your budget upfront and show sellers you’re a serious buyer.
Soft Credit Check
Protect your credit score — our pre-qualification won’t hurt it.
Honest & Transparent
No hidden fees. Just clear guidance to help you make smart investment decisions.
Ready to Get Started?
Fill out the application below to get pre-qualified for a purchase loan today!
It’s quick, secure, and helps you understand how much home you can afford.
Start Your Pre-Qualification Application Now
Need Help?
If you have any questions or need assistance with the application,
don’t hesitate tocall us at 562-809-2643
we’re here to help every step of the way!
Why Pre-Qualify with Us?
Get pre-qualified quickly — no complicated paperwork or long waits.
Shop with Confidence
Know your budget upfront and show sellers you’re a serious buyer.
Soft Credit Check
Protect your credit score — our pre-qualification won’t hurt it.
Honest & Transparent
No hidden fees. Just clear guidance to help you make smart investment decisions.Ready to Get Started?
Fill out the application below to get pre-qualified for a purchase loan today!It’s quick, secure, and helps you understand how much home you can afford.
Start Your Pre-Qualification Application
Short FormFull Form