Bank Statement Loans in Folsom, CA
Self-employed borrowers here can qualify on bank statement deposits rather than tax returns. Folsom buyers often look at conventional and jumbo financing, and retirees may benefit from asset depletion programs. I'll help you compare them.
Why Folsom borrowers choose bank statement loans
Folsom sits along the American River and Folsom Lake, with a historic downtown, trails and a large technology employer base. Homes range from older neighborhoods to newer communities south of Highway 50.
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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