Bank Statement Loans in Sacramento, CA
Self-employed borrowers here can qualify on bank statement deposits rather than tax returns. Whether you're buying a first home, using VA benefits, or adding a rental near downtown or the universities, I help Sacramento borrowers compare options across multiple lenders and choose the loan that fits.
Why Sacramento borrowers choose bank statement loans
As the state capital, Sacramento draws buyers who work in government, healthcare and education, along with Bay Area transplants looking for more space. Neighborhoods range from established tree-lined areas near downtown to newer developments on the edges of the city.
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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