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Roseville draws a lot of self-employed buyers. Contractors, consultants, and business owners are active in this market.
Bank statement loans exist for one reason: your tax returns don't show what you actually earn. This loan fixes that.
12–24 months
Bank Statement History
620 typical
Min Credit Score
Up to $3M
Max Loan Amount
None
Tax Returns Required
10%–20%
Min Down Payment
Bank Statement Loans in Roseville
Lenders want 12 to 24 months of bank statements. They average your deposits to calculate qualifying income.
Most programs require a 620 credit score minimum. Stronger credit gets you better pricing. Rates vary by borrower profile and market conditions.
Local decision guide
Use this guide to connect bank statement loans eligibility, lender expectations, and local market factors before comparing payment options in Roseville.
Roseville draws a lot of self-employed buyers. Contractors, consultants, and business owners are active in this market.
Bank statement loans exist for one reason: your tax returns don't show what you actually earn. This loan fixes that.
Lenders want 12 to 24 months of bank statements. They average your deposits to calculate qualifying income.
Most retail banks don't touch these loans. They're a non-QM product — only specialty lenders and wholesale channels offer them.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize in bank statement programs with competitive terms.
The biggest mistake I see: borrowers mixing personal and business deposits without a clean paper trail. That kills income calculations fast.
Business statement programs apply an expense ratio — typically 50% — to your deposits. Personal statements use full deposits. Know which account tells your best story.
If you get a 1099 instead of a W-2, a 1099 loan might qualify you at a higher income than bank statements.
Have strong assets but low income on paper? Asset depletion loans calculate income from your investment accounts instead.
Placer County has a strong base of small business owners and independent professionals. Bank statement loans are a regular tool here.
Roseville's home prices mean loan amounts often land in jumbo territory. Some bank statement programs go to $3M — know your ceiling before you shop.
Most lenders accept 12 months. Going to 24 months can raise your average if recent income is higher.
Yes. Lenders apply an expense ratio — often 50% — to your deposits. Personal statements use the full deposit amount.
Most programs start at 620. A 700+ score opens better rate tiers. Rates vary by borrower profile and market conditions.
Lenders average monthly deposits over 12 or 24 months. Large one-time transfers are usually excluded from that average.
Yes. Most bank statement programs require 10%–20% down. The exact requirement depends on credit score and loan amount.
You can, but a DSCR loan often works better for rentals. It qualifies based on the property's rent income, not yours.