ALCOVA Mortgage Color Logo

Bank Statement Loan

A bank statement loan is an ideal mortgage solution for self-employed professionals, business owners, independent contractors, entrepreneurs, freelancers, gig workers, healthcare professionals, and real estate agents. This non-traditional financing option can provide greater purchasing power compared to conventional loans based solely on taxable income.

Flexible Income Documentation Options:

  • 1099 income
  • Asset depletion or asset utilization without being of retirement age

Key Benefits:

  • No tax returns required
  • No W-2s or paystubs needed
  • Competitive interest rates
  • Flexible loan-to-value (LTV) limits
  • Credit score requirements similar to conventional loans

Whether you're looking to purchase a home or refinance, a bank statement loan can offer the flexibility and buying power you need, especially if traditional documentation doesn’t reflect your true earning potential.

Icon of house and key
Apply For A Loan

GET STARTED
icon of hands shaking
Find A Loan Officer

GET STARTED
Find A Branch

GET STARTED
ALCOVA Mortgage White Logo
ALCOVA Workplace Commitment
Assumptions
Licenses
Privacy Policy
Equal Housing Lender Logo

ALCOVA Mortgage LLC | NMLS ID#40508 | www.nmlsconsumeraccess.org | Licensed in AL, AR, CO, DC, FL, GA, IL, IN, KS, KY, LA, MD, MI, MO, NC, NJ, OH, OK, PA, SC, TN, TX, UT, VA, WA, WV | 308 Market Street SE, Roanoke, VA 24011 | 855.462.5268 | Georgia Residential Mortgage Licensee# 42101 | Licensed by the N.J. Department of Banking and Insurance

© 2026 ALCOVA Mortgage, LLC. All rights reserved.

ES
ES