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Laguna Hills sits in Orange County — one of the most expensive housing markets in California. Self-employed buyers here need income solutions that work with their actual cash flow.
Bank statement loans skip tax returns entirely. Lenders look at 12 to 24 months of deposits instead. That changes everything for business owners.
680+
Min Credit Score
12-24 Months
Statements Required
10-20%
Down Payment
3-4 Weeks
Approval Timeline
Up to $3M+
Max Loan Amount
Bank Statement Loans in Laguna Hills
You'll need 12 to 24 months of personal or business bank statements. Lenders average your monthly deposits to calculate qualifying income.
Most lenders want a 680+ credit score and 10-20% down. Reserves matter too — expect to show 3 to 6 months of payments in savings.
Local decision guide
Use this guide to connect bank statement loans eligibility, lender expectations, and local market factors before comparing payment options in Laguna Hills.
Laguna Hills sits in Orange County — one of the most expensive housing markets in California. Self-employed buyers here need income solutions that work with their actual cash flow.
Bank statement loans skip tax returns entirely. Lenders look at 12 to 24 months of deposits instead. That changes everything for business owners.
You'll need 12 to 24 months of personal or business bank statements. Lenders average your monthly deposits to calculate qualifying income.
Bank statement loans are non-QM products. Not every lender offers them. You won't find these at your local credit union or big retail bank.
We work with 200+ wholesale lenders — many specialize in non-QM. That gives us real options when your tax returns don't tell your full income story.
Business bank statements get an expense factor applied — usually 50%. Personal statements typically get a higher income credit. Choosing the right account matters.
Seasonal businesses cause problems. If your deposits swing wildly month to month, some lenders average all 24 months. Others drop the lowest months. That gap can shift your qualifying income by thousands.
A 1099 loan uses contractor income forms instead of full bank statements. If most of your income comes from 1099s, that path may be cleaner.
P&L statement loans use a CPA-prepared profit and loss report. They work well if your bookkeeping is sharp. Bank statement loans skip the CPA requirement entirely.
Laguna Hills draws consultants, agency owners, and healthcare professionals — many of them self-employed. This loan was built for exactly that borrower profile.
Orange County home prices push loan amounts high. Bank statement loans go up to $3M or more with the right lender. That range covers most of what you'll find here.
Yes. Bank statement loans are designed for self-employed borrowers. W-2 employees use standard income documentation.
Yes, but lenders apply an expense factor — often 50% — to business deposits. Personal statements usually produce higher qualifying income.
Most non-QM lenders want 680 or higher. Some programs allow lower scores with larger down payments.
Expect 3 to 4 weeks in most cases. Non-QM underwriting takes longer than conventional loans.
Yes. Bank statement loans carry higher rates due to non-QM risk pricing. Rates vary by borrower profile and market conditions.
Yes. Many non-QM lenders go up to $3M or more. Loan limits are lender-specific, not government-set.