When does Bank Statement make sense for your clients?

  • Borrower is self-employed
  • Borrower can’t provide tax returns, paystubs, or W-2 forms.
  • Borrower requires more flexibility than traditional banks can provide.

Bank Statement
Program Overview.

  • Loan size: up to $2,000,000
  • Purpose: Purchase, Refinance, Cash Outs
  • Loan term: 5-Year ARM/30-Year Fixed
  • LTV: up to 80%
  • FICO: 650
  • Amortization up to 30 years

Our process is simple, smart, and stress-free.


Instead of the standard Debt-to-Income (DTI) test, we perform a DSCR-based underwrite and qualify income based on the property’s cash flows.

Earn More
on Your Terms

You can earn up to 5 points (3 in origination, 2 in YSP) for your pocket when you partner with our team.

Higher LTVs

With LTVs up to 80%, your borrower can secure an investment property with a lower down payment.

Become a Silver Hill Partner today.

Be our next success story.

See how this self-employed borrower took advantage of our commercial Bank Statement Program and secured a cash out on his auto repair shop by simply providing business bank statements as proof of income.

Read the Story

Want to discuss a deal?
Let’s talk.

You can reach more types of borrowers and grow your mortgage business – all with the
right lender on your side. See how we can be that partner for you.