Are you a self-employed business owner?
You can qualify for a mortgage loan based on your bank statement deposits!
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Bank Statement Loans may be the financing option you are looking for
Bank statement loans are alternative mortgages that offer a flexible financing option for borrowers who may not show their full income on tax returns, such as self-employed individuals. Instead of traditional income verification, these loans rely on 12-24 months of bank statements to demonstrate the borrower's ability to repay, helping them appear more qualified for financing in unique financial situations.
We offer 3 types of Bank Statement Loans:
Use it to buy a primary residence, vacation home, or investment property.
Bank Statement Purchase Loan
Refinance for a better rate or get cash out up to 80% of your property’s value.
Bank Statement Refinance Loan
Access your home’s equity for anything from debt consolidation to home renovations.
Bank Statement Home Equity Loan
Fill out the form above to start your application process and get a free consultation with a self-employed loan advisor
Bank statement loans’ advantages
What can you use a Bank Statement Loan for:
Buy your new home
Buy a vacation house
Invest in property
Refinance your mortgage
Renovate your house
Restructure debt
Why choose Griffin Funding?
Outstanding Client Experience
Specialized Mortgages for Business Owners
Direct-to-Consumer Advantage
Effortless Digital Mortgage Platform
We’re Advisors, NOT Salespeople
What you need to apply
Self-employed applicant
You need to have been self-employed for at least two years. (Exceptions Apply)
Provide documentation
Send us 12 to 24 months of bank statements and PITI reserves, and a minimum credit score of 620.
10% minimum downpayment
You need to be able to make a minimum downpayment of 10% of the property’s value.
Bank Statement Loans vs
Traditional Home Loans
Bank Statement Loan
Traditional Mortgage
Business owners, freelancers, investors, or anyone who doesn’t receive a W-2
Most employees who 
receive a W-2
Who is it for?
What is it used for?
Purchasing a primary 
residence, a vacation home, 
or an investment property
Purchasing a primary 
residence, a vacation home, 
or an investment property
How is income verified?
12-24 months of bank statements
Tax returns and pay stubs
What’s the down payment?
10% minimum
3% to 5% minimum
(20% to avoid PMI)
What’s the minimum credit score?
620
620
How long is the loan term?
15 to 40 years
15 to 30 years
Daniel D.
As a business owner of a successful company, I faced numerous challenges in securing a home loan through conventional lenders due to the way I have structured my salary. Despite my business's substantial revenue, no other lender would approve me.
Griffin Funding was different. They took the time to understand my unique financial situation, looking at our business revenue rather than solely focusing on personal income. This personalized and considerate approach led to our loan approval when no one else would even consider it.
Their professionalism, dedication and understanding of business owners’ needs were evident throughout the entire process.
Griffin Funding truly went above and beyond, making what seemed impossible, possible.
I highly recommend Griffin Funding to any business owner seeking a lender who genuinely understands the complexities of entrepreneurial finances. Their exceptional service has made a significant difference in our lives, and we couldn’t be happier.
Jill C.
My husband and I recently had the pleasure of using Griffin Funding for a loan and were so pleasantly surprised by the kind professionalism. Jeanne, Kristi and Emily were exceptional in getting us over some hurdles and staying on top of everything. They were Such a pleasure to deal with, especially in a world where customer service is so lacking!
Many thanks!
Daniel G.
Griffin Funding made the refinance of our two existing loans quick and seamless, and communication was excellent. All members of the team we dealt with were very friendly and professional.
Let’s make your homeownership dream come true
Start your application process today and get a loan tailored to your specific financial situation.
We help you make your homeownership dream come true
Griffin Funding is a national direct-to-consumer mortgage company in the business of helping self-employed business owners achieve and maintain the American dream of homeownership while building generational wealth through real estate.
When you work with us, you get personalized assistance from a knowledgeable loan specialist, who will tailor a highly personalized loan according to your financial situation. We offer a number of traditional and non-traditional loan services, so you will find exactly what you’re looking for. Plus, our online application makes applying for a home loan quick and easy.
NMLS Unique Identifier: 1120111
VA Approved Lender ID: 9088650000
State Licensing
This material is not from HUD or FHA and has not been approved by HUD or any government agency. Griffin Funding specializes in VA Home Loans, DSCR Loans and Self Employed Real Estate Buyer Loans.
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