BLAZE HOME LOANS
Bank statement loans
A bank statement loan is a non-QM mortgage option in which a lender may use bank deposits and other documentation to evaluate income under its program guidelines.
MLO review pending: Bo Grant, NMLS #1565547 · Last updated September 23, 2026
Who might consider this program?
A self-employed borrower with income that is not fully reflected by standard tax-return calculations may ask about bank-statement underwriting.
Eligibility and documents
Lenders still evaluate income, assets, credit, debts and the borrower’s ability to repay. Statement periods and eligible deposits vary by lender.
Property considerations
Property type, occupancy, valuation and condition affect available programs and underwriting.
Limits to understand
This is not a no-documentation loan; deposits alone do not establish approval. Compare costs and documentation with other suitable options.
Common questions.
Do I still need to document income?
Yes. The lender evaluates statements and may require additional business or financial records.
Does a bank statement loan skip credit checks?
No. Credit remains part of lender underwriting.
Learn from the primary source
CFPB mortgage resources ↗Government program information comes from the administering agency. Blaze is independent and is not affiliated with or endorsed by any government agency.