Known for its laid-back surf culture and prime coastal real estate, Huntington Beach is a dream destination for homeowners and investors alike. Whether you're working in digital marketing, construction, hospitality, or running a local business, many self-employed professionals in Huntington Beach struggle to qualify for traditional home loans. Huntington Beach Bank Statement Loans are designed to help you secure financing using your personal or business bank deposits—not your tax returns or W-2s.
At Independent Home Finance Inc., we help clients across Huntington Beach—from Downtown HB and Goldenwest to SeaCliff and Adams—find mortgage solutions that match the way they earn.
What Are Huntington Beach Bank Statement Loans?
These mortgage programs are ideal for self-employed individuals who show low taxable income due to business deductions. Instead of verifying income through tax documents, we use 12 months of bank statements to determine your actual earnings.
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.
Who Qualifies for Huntington Beach Bank Statement Loans?
Borrowers must be self-employed for 2+ years, or have 20–24 months of business experience with a strong track record. You’ll need to provide 12 months of personal or business bank statements.
Common borrower profiles include:
- Real estate agents, designers, and digital professionals
- Small business owners and sole proprietors
- Gig workers, rideshare drivers, and independent consultants
- Contractors and tradespeople
- Retirees with alternative income sources
A credit score of 620 or higher is preferred. Borrowers should also be at least two years removed from major credit events such as bankruptcies or foreclosures.
How the Huntington Beach Bank Statement Loans Process Works
- Submit Bank Statements: 12 months of personal or business accounts.
- Personal: 100% of deposits count toward qualifying income.
- Business: 50–65% of deposits are used, depending on expenses.
- Underwriting: CPA letters may be requested but are often not required.
- Loan Funding: Loans can be used for purchases, refinancing, or cash-out scenarios.
Common Bank Statement Loan Questions:
Why Choose Independent Home Finance Inc. for Huntington Beach Bank Statement Loans?
From the walkable shops of Main Street to the ocean-view homes of Pacific City, Huntington Beach offers lifestyle and investment value. At Independent Home Finance Inc., we’re here to help you capitalize on that value with mortgage solutions built around your real income—not the numbers on your tax return.
Call (888) 315-7784 or Apply Online Now to begin your journey with a Huntington Beach Bank Statement Loan today.
How much do you qualify for?
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