Bank statement loans in Arizona provide self-employed borrowers with an alternative path to homeownership. Instead of traditional tax returns and W-2s, these programs use your business bank statements to verify income and qualify for a mortgage.
How Bank Statement Loans Work
Our bank statement loan programs analyze deposits in your business accounts over 12-24 months to determine your qualifying income. This approach works perfectly for entrepreneurs, contractors, and business owners whose tax returns don't reflect their true earnings capacity.
Perfect For:
- • Self-employed professionals
- • Business owners with tax write-offs
- • Independent contractors
- • Real estate agents and brokers
Bank Statement Loan Requirements
Documentation Needed
- • 12-24 months business bank statements
- • Personal bank statements
- • Business license (if applicable)
- • CPA letter (may be required)
- • Profit & loss statement
Qualifying Criteria
- • Minimum 620 credit score
- • 2+ years in business
- • Consistent deposit history
- • 10-25% down payment
- • Debt-to-income under 50%
Arizona Self-Employed Success Stories
We've helped hundreds of Arizona business owners achieve homeownership through our bank statement loan programs. From Phoenix contractors to Tucson consultants, we understand the unique income patterns of self-employed professionals.
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Ready to Use Your Bank Statements for Qualification?
Get pre-approved for a bank statement loan in Arizona today.