Our loan program

Bank Statement Loans

Purchase or Refinance

If you’re self-employed, a bank statement loan is a helpful option if you’re looking to secure a loan for a mortgage.

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Up to
LTV - Purchase
LTV - Rate & Term
30 - 40
Year Fixed
IO Options
$250K up to $8M

Bank Statement Loan Programs

Many people who are self-employed believe they cannot get home financing because they don’t have tax returns or financial statements to submit to the lender. This is simply not true. With a bank statement loan, all you need to submit are bank statements.

At Equity Direct Financial, LLC, we help many different self-employed clients secure bank statement loans. These are ideal for borrowers who can’t verify their income through the more typical methods such as W2s, tax returns, and pay stubs. This can apply to business owners, gig economy workers, realtors, consultants, and many other self-employed clients. In cases like these, they can verify their income through their bank statements, which can be provided to a lender for documentation and proof of income.

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Why Should You
Choose Us?

If you’re interested in applying for a bank statement loan to secure financing for a home, contact Equity Direct Financial today. We can help you with a bank statement loan that helps self-employed workers and independent contractors avoid having to submit tax returns for loans. Don’t let the lack of a tax return stop you from getting the loan you deserve. We at Equity Direct Financial will ask you to submit several months’ worth of bank statements to us, which we will review and verify before we submit to a home lender.

  • Customer Focused
  • Minimal Documentation
  • In House Fund Control
  • Best Loan Services
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Adam Vaughn
“Just want to express my appreciation to Jason Gregoroff with Equity Direct Financial. My situation was a bit challenging, and although it took a few months, Jason was always keeping me in the loop and checking in, allowing me to feel at ease with the process. I have worked with other lending institutions and please give Jason and his team a shot at helping you. They are friendly, efficient, hard working, but most of all trustworthy of your personal information. Highly recommend !!!!!”


States We Lend


Score and background check

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$250K – $10MM+ non-owner occupied property

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2-months of recent bank statements

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Fix & Flip Experienced Required


Our Core Purchasing Service

Whether you’re looking to purchase a new home or refinance your existing home, Equity Direct Financial can provide all the help you need.

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Jumbo Loans

That expensive home of your dreams doesn’t necessarily have to be out of your price range.

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VA Loans

Military Veterans are guaranteed a home loan with no down payment from the federal government.

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FHA Loans

Make sure you’re protected from defaulting on your mortgage is with a Federal Housing Administration loan.

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Asset-Based Loans

Looking at creditworthiness as part of a loan application, there are alternatives to simply showing your income to a lender.

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Foreign National Loans

A foreign national loan makes it possible for you to own a home, even though you’re not a citizen.

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Stated Income

Our Bank Statement and Profit & Loss programs are designed for Self-Employed Borrowers

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