How this option works
Some lender programs evaluate eligible personal or business bank statements as an alternative way to document income. Deposits do not automatically equal qualifying income: the lender also considers expenses, transfers, the business, and its program rules. This is an income-documentation option, rather than a promise of approval.
What to prepare for a consultation
- Your purchase or refinance goals and the intended property use.
- How long you have operated the business and how it receives payments.
- Whether you receive business income through personal accounts, business accounts, or both.
- An overview of available bank statements, assets, and existing mortgage obligations.
Questions to discuss
- Which statement types and time periods would the lender require?
- How would business expenses and transfers affect the income calculation?
- How do the total cost and documentation compare with other available mortgage options?
Do not send bank statements through the consultation form. Use the designated secure application process when our team requests financial documents.
Discuss your plans with our Bay Area team
Based in Richmond, California, Pacific East provides real estate and mortgage services across the San Francisco Bay Area. Start with your property goals and an overview of the documents you can provide.
Request a mortgage consultation →
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