Bank-statement Loans in San Jose, CA
Bank-statement loans let self-employed borrowers qualify from 12 or 24 months of personal or business deposits.
About Bank-statement loans
What this loan type means for San Jose buyers.
Qualify from 12 or 24 months of personal or business bank deposits — built for 1099 and small-business owners.
Borrowers in San Jose, California can use Bank-statement financing for primary residences in most cases, subject to the 2026 loan limit applicable to California. Talk to a licensed loan officer to confirm eligibility for your situation — credit, debt-to-income ratio, and property type all factor into approval.
Before reaching out, verify any loan officer's current licensing through NMLS Consumer Access. MLO Finder shows source-linked review snapshots where available but is not a lender and does not originate loans.
Borrower fit
Who Bank-statement loans are for in San Jose.
Bank-statement loans qualify self-employed borrowers — 1099 contractors, business owners, gig workers, and commission-only earners — based on cash flow into their personal or business bank accounts rather than tax-return net income. They're the standard answer for borrowers whose write-offs make their taxable income look much smaller than their actual earnings.
