Bank Statement Loans
Overview
Bank Statement loans are designed for self-employed borrowers in Missouri whose tax returns don’t accurately reflect their income. Instead of W-2s or tax returns, lenders use bank deposits to qualify you for a Missouri mortgage.
✔ Income Verified by Bank Deposits – Perfect for Missouri entrepreneurs.
✔12–24 Months of Statements – Personal or business accounts accepted.
✔Higher Loan Limits – Competitive jumbo options for Missouri Texas properties.
✔Flexible Credit Guidelines – Tailored for self-employed borrowers.
✔ Typically require 12–24 months of bank statements.
✔ Minimum credit score around 620–660.
✔ Down payment often 10%–20%, with strong reserves recommended.
✔ Available for primary residences, second homes, and investment properties in Missouri.
Ideal For
✔ Self-employed professionals and small business owners in Missouri.
✔ Freelancers, gig workers, or commission-based earners buying a Missouri home.
✔ Borrowers with strong cash flow but significant tax deductions.
Our Missouri mortgage team understands the unique needs of entrepreneurs and will help you leverage your true income to qualify for the home or investment property you want.
Whether you are buying, refinancing, or planning ahead, 123 Mortgage Powered by Supreme Lending is here to help. Connect with Kevin to explore your mortgage options and take the next step with confidence.