Flexible mortgage solutions for self-employed borrowers, freelancers, and entrepreneurs who need alternatives to traditional income documentation.
We believe entrepreneurs deserve lending options that reflect their reality.
Bank statement loans in California are designed for borrowers who may not qualify for a traditional mortgage due to irregular or non-W-2 income. Instead of tax returns or pay stubs, lenders evaluate 12–24 months of personal or business bank statements to assess income. It’s a flexible mortgage option ideal for business owners, freelancers, gig workers, and independent contractors.
Entrepreneurs, small business owners, and freelancers with variable income streams can secure a mortgage without traditional documentation.
If your income doesn’t reflect in tax filings due to deductions, a bank statement mortgage offers a more accurate picture of financial strength.
Rideshare drivers, consultants, and creatives with diverse income sources can leverage consistent bank deposits to qualify.
Use 12 to 24 months of personal or business bank statements.
Income is averaged to determine eligibility.
No need for tax returns, W-2s, or pay stubs.
Often used by borrowers with strong cash flow but complex finances.
At California Lending Group, we understand that self-employed borrowers don’t always fit into a traditional lending box. That’s why we offer expert guidance, personalized loan structuring, and quick pre-qualification for bank statement loans in California tailored to your financial reality. Our team is committed to helping you secure a mortgage without the hassle of tax returns or W-2s.
