We have loans designed specifically for self-employed individuals – so you won’t be asked to submit documents and forms that you don’t have. We specialize in Bank Statement Loans! Fill out the short form today, A Loan Advisor will get back to you quickly!

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.

Today’s 30-yr Fixed Rate

This Rate and APR information is based on a rate & term refinance of a $350,000 loan on an owner-occupied property with a 60% LTV, a credit score of 720, and 1.116 discount point. Loans for other purposes, higher LTV ratio, lower credit score may be subject to a higher Rate and APR.


Rate as of 1/21/21 12:00 PM ET

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

Credit scores starting as Low as 620
Up to 90% LTV (with 720 Credit Score)
50% Debt-To-Income(for LTV to 85%) & 43% DTI (for LTV to 90%)
Max loan amount $10,000,000
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)


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 $10 million
Credit score as low as 580

No W-2, no problem! Call Sprout today to talk to one of our expert loan officers for more details on how to qualify for your self-employed mortgage loan, or complete the form.

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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.