Bank Statement Loans in Chico, CA
Self-employed borrowers here can qualify on bank statement deposits rather than tax returns. Chico investors often look at DSCR loans for rentals, while first-time buyers explore low down payment and assistance programs.
Why Chico borrowers choose bank statement loans
Chico is a college town in Butte County known for Bidwell Park, a lively downtown and a steady rental market tied to the university.
Self-employed? Qualify using 12 or 24 months of personal or business bank statements instead of tax returns.
- Self-employed business owners
- Independent contractors and 1099 earners
- Freelancers and gig workers
- Real estate agents and commissioned professionals
No Tax Returns
Income is calculated from deposits on your bank statements.
12 or 24 Months
Choose the statement period that best represents your income.
Personal or Business
Use personal or business accounts; business statements apply an expense factor.
Purchase or Refinance
Available for primary homes, second homes and investment properties.
Rates shown are for informational purposes, change daily, and are not a commitment to lend.
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