Bank Statement Loans in San Jose, CA
Self-employed borrowers here can qualify on bank statement deposits rather than tax returns. Complex income and higher loan amounts call for careful lender selection. I help San Jose borrowers structure jumbo, conventional and non-QM options.
Why San Jose borrowers choose bank statement loans
San Jose is the largest city in the Bay Area and the heart of Silicon Valley, with buyers whose income often includes stock compensation and bonuses.
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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