Bank statement loans.
Built around your income.
For a high-value home purchase or refinance, business income may need a more detailed review. Stonehaven arranges financing and helps compare bank statement documentation with other income paths. Eligibility and required records are determined by the lender.
Request a consultationResidential inquiries in GA, AL, TN, FL, NC and SC. Program eligibility varies.
Built around how you earn
Business owners
When your business activity needs a closer look than a single income figure.
Independent professionals
Consultants, contractors and other self-employed borrowers with documented deposits.
Variable business income
A review of the history and pattern of receipts, including seasonal changes.
How the income review works
Start with your situation
Tell us your property state, financing goal and how long you have been self-employed. We follow up by text.
Identify the right documentation
A specialist confirms which accounts and statement period the available program needs. Request a secure document link before sending statements.
Compare the complete offer
Review qualifying income, credit requirements, down payment or equity, closing costs and monthly payment before deciding how to proceed.
Deposits need context
A bank statement mortgage still requires documented income and lender underwriting. Transfers between accounts, borrowed funds and other non-income deposits may need to be excluded. Business expenses, ownership share and income trends can affect the result. Total deposits are not automatically your qualifying income.
Compare the income paths
| Question | Conventional review | Bank statement review |
|---|---|---|
| Income evidence | Typically uses tax returns and other supporting income records | Uses eligible account activity under the lender’s program rules |
| Self-employment | May qualify under conventional requirements | May provide an alternative documentation path |
| Decision factors | Income, debts, credit, assets and property | Income, debts, credit, assets and property still matter |
Compare both options. Bank statement programs can have different rates, down-payment requirements and fees. A different documentation method does not guarantee a larger loan or a faster closing.
Questions before you start
Does this mean no income verification?
No. Bank statements provide a way to document income. The lender still verifies the file and applies its qualification requirements.
Will I need 12 or 24 months of statements?
That depends on the program and your circumstances. Ask which consecutive statements are needed and whether personal or business accounts are appropriate before collecting documents.
Can I use this to buy a rental?
Property use affects program eligibility. For an investment property, compare a bank statement review with a DSCR review based on the property’s eligible rental income.
What credit score or down payment is required?
Requirements vary with the lender, loan amount, property and overall file. We review those details before presenting an available option.
Should I upload my statements here?
No. This is an initial inquiry. Keep account numbers, statements, tax returns and other private documents out of the public form. A specialist can arrange a secure next step.
Start your bank statement loan review
Share the basics and your mobile number. A Stonehaven specialist will follow up by text.
Explore related options
Compare mortgage options
Explore income documentation, payment structure and home equity options around your financing goal.