Bank Statement Loans
Overview
Bank Statement loans are designed for self-employed borrowers in San Diego , California whose tax returns don’t accurately reflect their income. Instead of W-2s or tax returns, lenders use bank deposits to qualify you for a San Diego California mortgage.
✔ Income Verified by Bank Deposits – Perfect for San Diego California entrepreneurs.
✔12–24 Months of Statements – Personal or business accounts accepted.
✔Higher Loan Limits – Competitive jumbo options for San Diego California California properties.
✔Flexible Credit Guidelines – Tailored for self-employed borrowers.
✔ Typically require 12–24 months of bank statements.
✔ Minimum credit score around 620–660.
✔ Down payment often 10%–20%, with strong reserves recommended.
✔ Available for primary residences, second homes, and investment properties in San Diego .
Ideal For
✔ Self-employed professionals and small business owners in San Diego , California .
✔ Freelancers, gig workers, or commission-based earners buying a San Diego California home.
✔ Borrowers with strong cash flow but significant tax deductions.
Our San Diego California mortgage team understands the unique needs of entrepreneurs and will help you leverage your true income to qualify for the home or investment property you want.
Contact Supreme Lending San Diego to explore all your loan and down payment assistance options in San Diego , California and start your path to homeownership today. >>>