12-Month Bank Statement Loan
Qualify based on your real cash flow instead of traditional tax returns.
Strategic Value
- No tax returns required
- Entrepreneur focused
- Up to 90% LTV
Optimizing your 12-Month Bank Statement Loan strategy.
The 12-Month Bank Statement Loan represents a cornerstone of our Self-Employed lending arsenal. Designed for homeowners who prioritize precision and long-term financial health, this program eliminates the volatility often associated with the mortgage market.
Market Position
As part of our commitment to transparency, we benchmark this program against secondary market SOFR and treasury yields to ensure you receive institutional pricing at a boutique service level.
Tax & Wealth Logic
We coordinate with your wealth advisors to ensure your mortgage structure optimizes potential interest deductions while maintaining maximum liquidity for your other assets.
Analyze 12-Month Bank Statement Loan
Model your monthly payments and interest curves with our proprietary calculator suite.
Taxes, Insurance & HOA
Adjust for precise results
Estimated Monthly Payment
Subject to credit and property approval
Clear Mortgage Capital, Inc. | Corporate Headquarters: 19800 MacArthur Blvd, Suite 880, Irvine, CA 92612. All loans subject to credit and property approval. NMLS 1935005.
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