Fontana has rapidly grown into one of the Inland Empire’s strongest housing markets. With access to major freeways, a strong logistics sector, and a booming construction and small business scene, many residents are self-employed or work independently. But for those whose taxable income doesn’t reflect their true earnings, traditional mortgages can be out of reach. Fontana Bank Statement Loans offer a smarter way—using your actual bank deposits to help you qualify.
At Independent Home Finance Inc., we specialize in helping Fontana business owners, independent contractors, and freelancers secure home financing without needing W-2s or tax returns. Whether you’re buying in Southridge, investing near Hunter’s Ridge, or upgrading a home in Heritage Village, our Fontana Bank Statement Loans offer the flexibility to match your income.
Key Benefits of a Bank Statement Loan
No Tax Returns Required
You don’t need W-2s or tax returns to qualify.
Higher
Loan Limits
Borrow more than with traditional mortgage options.
Flexible Income Verification
Approval is based on bank statements, not reported income.
Multiple Property Types Allowed
Finance primary homes, second homes, or investments.
With a Bank Statement Loan, self-employed borrowers can qualify using their actual cash flow, making homeownership more accessible.
What Are Fontana Bank Statement Loans?
Bank Statement Loans are designed specifically for borrowers with non-traditional income. Instead of verifying income through tax returns, lenders review 12 months of personal or business bank statements to determine eligibility. This is ideal for those who take advantage of tax deductions that reduce reportable income but still earn strong cash flow.
Who Qualifies for Fontana Bank Statement Loans?
Borrowers must be self-employed for at least two years, or have 20+ months in business with a strong background in the field. A consistent 12-month deposit history is required to move forward.
Common borrower profiles include:
- Logistics and transportation business owners
- Construction contractors and tradespeople
- Gig workers and delivery drivers
- Real estate professionals and local entrepreneurs
- Retirees or landlords with non-traditional income
Applicants with a credit score of 620 or higher may qualify for better terms. All borrowers should be two years removed from any major credit events such as foreclosure or bankruptcy.
Common Bank Statement Loan Questions:
How the Fontana Bank Statement Loans Process Works
- Submit Bank Statements: Provide 12 months of personal or business statements.
- Personal: 100% of deposits considered as income.
- Business: 50–65% of deposits used depending on business type.
- Underwriting & Review: Some borrowers may need a CPA letter, but many qualify based on deposits alone.
- Loan Use: Apply funds toward purchasing, refinancing, or a cash-out loan.
Why Choose Independent Home Finance Inc. for Fontana Bank Statement Loans?
From Summit Heights to Sierra Lakes, Fontana’s neighborhoods are full of opportunity for self-employed buyers. At Independent Home Finance Inc., we offer local insight, fast approvals, and personalized loan options that reflect your true income—not just what’s on your tax return.
Call (888) 315-7784 or Apply Online Now to get started with a Fontana Bank Statement Loan today.
How much do you qualify for?
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