Bank Statement Mortgage Program

Credit scores starting from 640 |  Up to 90% LTV, No MI

Angel Oak’s Bank Statement mortgage program is the perfect option for self-employed borrowers who need an alternative method to show the true cash flow of their business. Borrowers do not have to own 100% of the business.

  • 12 or 24 months business or personal bank statements
  • 2 years seasoning for foreclosure, bankruptcy or deed-in-lieu
  • Short Sale paid as agreed no waiting
  • Rates are 30-year fixed
  • 2 years self-employed required
  • Loan amounts $150K up to $3 million
  • Borrowers can own as little as 50% of the business for business bank statements and 25% for personal bank statements
  • Purchase and cash-out or rate-term refinance
  • Owner-occupied, 2nd homes, and non-owner occupied
  • 40 Year Fixed Interest Only Available