Self-Employed & Bank Statement Loans Bakersfield
Own your own business, work 1099, or have income that doesn't fit in a W2 box? Qualify based on your actual cash flow — not just your tax returns.
12–24 mo
Bank Statements Required
No
Tax Returns Required
2 Years
Min. Self-Employment
$3M
Loan Amounts Up To
Key Benefits
12 or 24 Month Bank Statements
We use your average monthly deposits over 12 or 24 months to calculate your qualifying income — no tax returns required.
Business or Personal Accounts
Both business and personal bank statements are accepted. We'll help you determine which provides the strongest qualification.
Write-Offs Won't Disqualify You
Many self-employed borrowers write off significant business expenses — reducing their taxable income but not their actual earnings. We look at deposits, not net income.
Loan Amounts Up to $3 Million
Bank statement loans support high-value purchases with loan amounts up to $3M, making them ideal for high-earning self-employed borrowers.
Down Payment from 10%
Bank statement loans typically require 10–20% down depending on your credit profile and loan amount.
Fast, Local Processing
Our Bakersfield-based team understands the local market and works to process your file efficiently so you can close on time.
Is This Loan Right for You?
- Business owners and self-employed borrowers (2+ years)
- Freelancers and independent contractors with 1099 income
- Gig economy workers and commission-based earners
- Real estate investors with complex income structures
- Borrowers whose tax write-offs reduce their qualifying income
- High-earning self-employed buyers who deserve better loan options
Ready to See If You Qualify?
Our team will review your situation and tell you exactly which programs you qualify for — no cost, no commitment.
Check My EligibilityFrequently Asked Questions
Let's Get You Pre-Approved
Dream House Lending serves home buyers across Bakersfield and the Central Valley. We're ready to guide you from start to close.