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MGB Financial Services, Inc
18300 Gridley Road, Suite I
Artesia, CA 90701
Phone No: 562-809-2643 / Fax No: 562-809-0644
Email: loan@mgbfinancial.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...
  • 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
  
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!
 
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Start Your Pre-Qualification Application

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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 above to get pre-qualified for a purchase loan today!
It’s quick, secure, and helps you understand how much home you can afford.

Need Help?

If you have any questions or need assistance with the application, don’t hesitate to call us at 562-809-2643. We’re here to help every step of the way!

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