Logotipo en color de la hipoteca ALCOVA

Préstamo con estado de cuenta bancario

When you work for yourself, your tax return doesn't always tell the whole story. Deductions that are great at tax time can make your income look smaller than it really is—and that can get in the way when you're ready to buy a home. A bank statement loan looks at your business a little differently, using your eligible bank deposits to help paint a fuller picture of what you actually earn.

What Is A Bank Statement Loan?

A bank statement loan is a mortgage designed for self-employed borrowers, business owners, freelancers, independent contractors, and other folks whose income may not be fully reflected on a traditional tax return. Instead of relying on W-2s or tax returns to qualify, lenders may use your eligible personal or business bank statements to help determine income. For borrowers whose tax deductions lower their reported taxable income, that can open up a more flexible path to homeownership—one built around how you actually get paid.

Apply for a Bank Statement Loan

A quién puede irle bien

No todos los propietarios necesitan acceder al valor acumulado de su vivienda, pero en las circunstancias adecuadas, puede ser una herramienta útil. Una refinanciación con retiro de efectivo consiste, en realidad, en aprovechar el valor que has acumulado en tu vivienda de una manera reflexiva y deliberada.

Quizás te interese considerar este préstamo si:

  • Are self-employed, a business owner, freelancer, consultant, or independent contractor
  • Receive 1099 income instead of W-2 wages
  • Have significant business deductions that reduce your taxable income
  • Would rather qualify using bank deposits than tax returns
  • Run a stable business with consistent cash flow
  • Are looking for a flexible financing option designed for non-traditional income earners

Directrices generales de admisión

Every borrower's situation is different. Your income structure, bank statements, credit, and homeownership goals all help determine whether a bank statement loan may be a good fit.

An ALCOVA loan officer can help review your bank statements and walk through your options—no guesswork, no pressure.
Buscar un agente de préstamos

Benefits and Considerations of a Bank Statement Loan

Like any mortgage option, a bank statement loan comes with both advantages and requirements. The goal is to understand how it fits your income, your budget, and your long-term plans.
  • Qualification may be based on eligible bank statement deposits rather than tax returns
  • Designed specifically for self-employed and 1099 borrowers
  • Flexible income documentation options
  • Available for home purchases and refinance transactions
  • May help borrowers qualify when traditional income calculations fall short
  • Typically requires a larger down payment than some traditional loan programs
  • Interest rates may be higher than conventional financing options
  • Additional reserves may be required
  • Not all income deposits may be eligible for qualification purposes
  • Loan eligibility is subject to lender guidelines and your overall financial profile

When a Bank Statement Loan Makes Sense

A bank statement loan may be worth considering when:
  • You're self-employed and your tax returns don't reflect your true earning power
  • You receive 1099 income or own a business
  • You have strong cash flow and consistent bank deposits
  • You want to purchase or refinance but have had trouble qualifying with traditional income documentation
  • You're looking for a financing option built around the way your income is actually documented
  • You want to explore alternatives to conventional mortgage qualification methods
At ALCOVA, our goal is to help you understand whether a bank statement loan supports your bigger financial picture—not just today, but for the years ahead.
Hable con un asesor de préstamos

Bank Statement Loan vs. Conventional vs. FHA Loan

Si estás pensando en refinanciar tu préstamo, una de las dudas más comunes es si optar por una refinanciación para reducir la tasa de interés o por una refinanciación con retiro de efectivo. Aunque ambas opciones sustituyen a tu préstamo actual, están diseñadas para cumplir objetivos muy diferentes.
Característica Refinanciación con tipo de interés fijo Refinanciamiento con retiro de efectivo
Objetivo principal Mejorar las condiciones del préstamo Retirar el capital como efectivo
Pago en efectivo al momento del cierre No Sí
Pago mensual Puede disminuir o cambiar Puede aumentar en función del importe en efectivo
Impacto en el patrimonio neto Mantiene el capital social existente Utiliza una parte del capital disponible
Usos habituales Reducir la tasa, modificar el plazo, eliminar el seguro hipotecario Reformas, consolidación de deudas, gastos importantes

A Home Loan Built Around How You Earn

If your income doesn't fit neatly into a W-2 box, that doesn't mean homeownership is out of reach. A bank statement loan may give you a way to qualify based on the cash flow you already see every month.

Reach out and we’ll walk through your current loan, your goals, and what refinancing could realistically look like for you.
Apply for a Bank Statement Loan

Frequently Asked Questions About Bank-Statement Loans

A bank statement loan is a mortgage that may use your eligible personal or business bank statements to help verify income, rather than relying solely on tax returns or pay stubs. Lenders review eligible deposits and apply program guidelines to determine qualifying income. Keep in mind, not all deposits are eligible or counted.

These loans are commonly used by self-employed borrowers, business owners, freelancers, consultants, and independent contractors whose income may not be fully reflected on their tax returns.

La mayoría de los préstamos de refinanciación con liquidación de efectivo requieren una tasación de la vivienda para determinar el valor actual de la propiedad. Esto ayuda a confirmar cuánto capital propio hay disponible.

Requirements vary by program and borrower profile. An ALCOVA loan officer can help review current guidelines and let you know what to gather.

Depending on program eligibility, bank statement loans may be available for both purchase and refinance transactions.

The best way to know is to review your income structure, bank statements, and homeownership goals with a loan professional who can help you compare your available options.

**Refinancing may result in increased total life of loan finance charges over your current obligation. Loan approval is subject to credit, assets, occupancy, reserves, property eligibility, and overall underwriting guidelines. Not all applicants will qualify.

ALCOVA Hipoteca Logotipo blanco
Compromiso de ALCOVA con el lugar de trabajo
Supuestos
Licencias
Política de privacidad
Equal Housing Lender Logotipo

ALCOVA Mortgage LLC | NMLS ID#40508 | www.nmlsconsumeraccess.org | Con licencia en AL, AR, CO, DC, FL, GA, IL, IN, KS, KY, LA, MD, MI, MO, MS, NC, NJ, OH, OK, PA, SC, TN, TX, UT, VA, WA, WV | 308 Market Street SE, Roanoke, VA 24011 | 855.462.5268 | Licenciatario hipotecario residencial de Georgia # 42101 | Autorizado por el Departamento de Banca y Seguros de Nueva Jersey

© 2026 ALCOVA Mortgage, LLC. Todos los derechos reservados.