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Mortgage Approval with Only 12 Months Bank Statements


Here’s a great low doc loan program for borrowers who are "self-employed".  Borrowers can provide 12 months of bank statements to qualify for a home loan without tax returns.

Yes you heard correctly! This loan does not require Tax Returns!
You simply provide your personal bank statements or your business/corporate bank statements to get approved.
If you are buying a home and had low income reported on your tax returns use this program in lieu of full-doc programs  with just 15%-30% down on primary residence or as much as 85% loan to value on refinances without cash out.

It is only available for California properties.   If you have a vacation home or 1-4 unit property that will qualify as well but at lower loan to value limits.  Below is a quick chart to use and see our guidelines quickly

Buy a house in Laguna Beach as a primary residence,that is listed for $1,450,000. Your agent negotiates it down to $1,400,000, now you can use the maximum loan amount of $1,000,000 under the 12 Month Bank Statement Program.

Get a Bank Statement Loan Quote and lock in Your Approval Today!

Quick Guidelines

Bank Statement Program


Property Use Purchase & Refinance Cash Out Refinance
Primary & Second Homes 85% 75%
Investment Property 75% 65%


  Loan Amounts  
Minimum Maximum Cash Out Maximum
$100,000 $1,500,000 $300,000


Months Income Credit
12 Personal Bank Statements Average of Deposits Minimum FICO 680
24 Personal Bank Statements Average of Deposits Minimum FICO 620
24 Business Bank Statements 100% Business Deposits and unaudited P&L Minimum FICO 620



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1st Nationwide Mortgage Corporation
65 Enterprise
Aliso Viejo, CA 92656
(949) 207-3399

An Equal Housing Lender -   NMLS #1281

© 2005 1st Nationwide Mortgage Corporation. Trade/service marks are the property of 1st Nationwide Mortgage and/or it's subsidiaries. All rights reserved. * 1st Nationwide Mortgage offers these products through our family of companies. Purchase loans and Refinance loans are available for Jumbo mortgages , 30 year fixed, 15 year fixed, FHA loans, VA loans, HARP loans and Reverse Mortgages. *All of the scenarios listed above are subject to various credit debt to income ratio requirements that are subject to change without notice. This is not an offer for extension of credit or a commitment to lend. Loans subject to approval. Rates and programs subject to change without notice. These materials are not from HUD or FHA and were not approved by HUD or a government agency. This is not an offer to enter into a rate lock agreement under CA law, or any other applicable law. CA Loans made or arranged pursuant to California Finance Lender Law License 603K287 and CA Bureau of Real Estate, Real Estate Broker - Broker#01517084, (213)620-2072, California Department of Corporations, Alaska #AK1281, Colorado Mortgage Company Registration, Florida MLD1423, Texas SML #1437886, Oregon Mortgage Lending License ML-5326, Virginia #MC-6675, Washington Consumer Loan Company CL-1281 NMLS Consumer Access.

We have helped thousands of customers refinance or buy new homes over the last decade, earning us an A+ rating with the Better Business Bureau