**As of 12/3/2021, this product is based on a rate and term refinance loan with 70% loan to value ratio, a 740 credit score, paying 1.25% discount points, on an owner-occupied principal residence, an interest rate of 3.77% and APR of 3.87% for a 40-year loan with an interest only period for the first ten years and fully amortized payments for the remaining 30 years of the 40-year term. Your loan terms and interest rate may be different depending on your credit score, your loan to value ratio, how many discount points you pay, when you lock in your interest rate, the property’s occupancy type, and other factors.

If you are among the 15 million Americans who are self-employed, you’ll be glad to know that we understand how your financial profile can be different from borrowers who earn a regular salary.

Here Are Some of the Great Features of Sprout’s Bank Statement Loan
‍

Credit scores starting as Low as 660

50% Debt-To-Income

Max loan amount $8,500,000**

Min loan amount $100,000 (owner-occupied and second homes)

3 to 12 months PITIA (principal, interest, taxes, insurance and association dues) & reserves (based on loan amount)

‍

**$8,500,000 CA properties only, $4,000,000 for all other states

‍

Let's Get Started

Call us (800) 462-6470

or fill out the form below

Sprout Mortgage is a nationwide direct lender and we’ve been helping homeowners reach their goals for nearly a decade.

First Name

Last Name

Phone Number

State

My Residence and Property States are the same

Property State

By checking this box and clicking the “Get Answers Now” button you consent to receive emails, calls, text messages and pre-recorded voicemail messaging via automated technology regarding product offers by or on behalf of Sprout Mortgage at the residential or mobile telephone number provided (message and data rates may apply), even if your telephone number is on any federal or state Do Not Call Registry. You agree that we can call you after 9:00 p.m. in your time zone. You are not required to give consent as a condition of the purchase of any property, goods or services from Sprout Mortgage. You also agree to the Terms and Conditions and the Privacy Policy. If you provided your telephone number today before 11:00 PM Eastern time, you agree that Sprout can contact you today before 11:00 PM Eastern time.*

Attention CA residents:

By providing this information to Sprout you acknowledge that you have reviewed the Privacy Notice for California Consumers. Additional information regarding how consumer data is used and safeguarded is available in Sprout’s Important Privacy Information For California Consumers.

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.

Also Available

Whether you’re a small business owner, yoga instructor, seasonal employee, freelancer/contract employee, or investor, Sprout can help you get a mortgage!

Asset Depletion Loans

Investor Debt Service Coverage

Ideal for individuals with substantial liquid capital (more assets than income), the Asset Depletion program permits borrowers to qualify based on their assets up to 50% DTI.

Designed for those whose income is derived from property rentals. Use the cash flow from your rental property to qualify.

Here’s How We Can Assist You in Buying a Home

Other loan features include:

Use bank statements to determine your qualifying income

Loan amounts up to $8.5 million

Interest-Only option available on all loan programs

Credit score as low as 660

Learn More Let's Get Started

This communication does not constitute a commitment to lend or the guarantee of a specified interest rate. All loan programs and availability of cash proceeds are subject to credit, underwriting and property approval. Programs, rates, terms and conditions are subject to change without notice. Other restrictions apply.

Self-Employed Real Estate Purchase Programs