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Windsor sits in the heart of Sonoma County wine country. Small business owners, vineyard operators, and independent contractors are common here.
Traditional loans use W-2s and tax returns. That kills deals for borrowers who write off heavily. Bank statement loans fix that problem.
12–24 Months
Bank Statements Needed
640+
Typical Min Credit Score
10–20%
Down Payment
3–6 Months
Reserves Required
Non-QM
Loan Type
Bank Statement Loans in Windsor
You'll need 12 to 24 months of bank statements. Lenders average your deposits to calculate qualifying income.
Most lenders want a 640+ credit score and 10-20% down. Reserves matter too — expect to show 3 to 6 months of payments in the bank.
Local decision guide
Use this guide to connect bank statement loans eligibility, lender expectations, and local market factors before comparing payment options in Windsor.
Windsor sits in the heart of Sonoma County wine country. Small business owners, vineyard operators, and independent contractors are common here.
Traditional loans use W-2s and tax returns. That kills deals for borrowers who write off heavily. Bank statement loans fix that problem.
You'll need 12 to 24 months of bank statements. Lenders average your deposits to calculate qualifying income.
Bank statement loans are non-QM products. That means they don't follow Fannie Mae or Freddie Mac guidelines.
Not every lender offers them. We work with 200+ wholesale lenders, so we can shop programs most borrowers never see.
The biggest mistake self-employed borrowers make: applying at a retail bank first. They get denied and assume they can't qualify anywhere.
Business bank statement programs apply an expense ratio — typically 50% for sole proprietors. Your qualifying income is lower than raw deposits. Plan for that.
1099 loans are close alternatives if most of your income is contractor payments. P&L loans work if a CPA prepares your financials.
Bank statement loans give you flexibility without needing perfect bookkeeping. They're the most common non-QM path we run for Windsor self-employed buyers.
Sonoma County has a dense concentration of self-employed residents — hospitality, agriculture, and trades especially. Bank statement loans were designed for exactly this borrower profile.
Windsor's property values make loan sizing important. You want a lender who can go above conforming limits if needed. Several of our non-QM partners go to $3M and above.
Yes. Most lenders accept either. Personal statements often produce higher qualifying income because no expense ratio is applied.
Most lenders require 2 years of self-employment. Some go down to 12 months with strong statements and reserves.
Yes. Non-QM rates run higher than conventional. Rates vary by borrower profile and market conditions.
They won't here. Bank statement loans ignore your tax return entirely. Deposits are what qualifies you.
Yes. These loans work for purchases and refinances in Sonoma County. Property type and loan size affect program availability.
Lenders average 12-24 months of deposits. Seasonal income swings are common and generally acceptable.