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Bank Statement Programs

Leverage your self-employed borrowers bank statements into a mortgage loan

  • Personal Bank Statement Programs
  • Business Bank Statement Programs
  • No Tax Returns Required
  • No Transcripts Required


We offer three bank statement program options

Option One: 12 months Personal Bank Statement Program
Qualifying income:
-100% of deposits, not including transfers from other personal accounts, averaged over 12-month period.

Option Two: 24 months personal bank statement program
Qualifying income:
-100% of deposits, not including transfers from other personal accounts, averaged over a 24-month period.

Option Three: 24 months business bank statement program
Qualifying income is the lower of the following:
  • Monthly net income from the P&L
  • Income indicated on the initial signed 1003
    • The P&L can be prepared by the borrower or a license tax preparer and should cover the same 2-year period as the bank statements – it should be signed and dated.
    • The monthly gross revenue from P&L must be supported by the business bank statements provided. Total monthly average deposits per bank statements (minus any disallowed deposits) must be within 10% of monthly gross revenue reflected on the P&L.

Please contact us at sales@5thstcap.com or 888-702-3385 with any questions