Bank Statement Home Loan Qualifier

  • Qualify Based on bank statements only!

  • No W2's or Tax Returns Needed!

  • Interest Only Options Available!

  • Get up to 90% Financing

  • 100% Gift Funds Allowed

  • Fixed Rate and Adjustable Rate Options

Answer a Few Quick Questions and Let’s See if You’re Eligible

No Credit Check Required!

Get Rates and Terms as of 01/16/2026

Are you self-employed or 1099?

How many years have you been self employed?

What Percent of the Business Do You Own?

Are you purchasing, refinancing, or cashing out?*

What type of property are you planning on refinancing?

What type of property are you planning on purchasing?

Do you plan to live in the home, use as a vacation home or use as an investment property?

How do you use this property?

What is the address of the property?

*This will allow us to determine the estimated value of the property

What is your approximate credit score?

Have you declared bankruptcy in the past 2 years?

Full Name

Get Rates and Terms With No Credit Check Required!

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Enter Your Phone Number and You're All Done!

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  • Qualify Based on bank statements only!

  • No W2's or Tax Returns Needed!

  • Interest Only Options Available!

  • Get up to 90% Financing

  • 100% Gift Funds Allowed

  • Fixed Rate and Adjustable Rate Options

No W2s or Tax Returns Needed!

We offer bank statement home loans to self employed borrowers who may find if difficult qualifying using W2 and tax returns due to write-offs or fluctuations in pay.

With Bank Statement Loans, borrowers are qualified based upon their ability to repay using 24 month average of deposits. And, depending on the program, personal or business bank statements may be used.

America’s Short-Term Rental Property Financing

STEP 1

Apply Online or Call Directly

Find out how much home you can buy or discover how much you can save by refinancing.

STEP 2

Review What Options You Can Qualify For

Learn exactly how much you qualify for and what you would save by working with Adaptive Mortgage Solutions.

STEP 3

Get Loan Approval in 24 Hours

Get mortgage loan approval to move forward with your property.

About Us

We know how important and invasive the mortgage process can be. We appreciate that you’re considering entrusting us with one of the most important financial decisions of your life.

License

NMLS: 1081117

Corp. NMLS: 2022974

NMLS Consumer Access Lookup Tool

Contact

949-303-8454

[email protected]

32 Eaglecreek, Irvine, CA 92618-3904

© 2026 Adaptive Mortgage Solutions