San Bernardino is an Inland Empire hub full of opportunity for small business owners, contractors, and independent professionals. Whether you're working in logistics, healthcare, retail, or construction, many self-employed residents face the same challenge: qualifying for a mortgage when tax returns don’t reflect their true income. That’s where San Bernardino Bank Statement Loans come in—offering a better way to get approved using your bank deposits instead of traditional tax documents.
At Independent Home Finance Inc., we understand how to help self-employed individuals in San Bernardino access mortgage financing that fits their financial profile. Whether you’re looking to purchase in Verdemont, Rosena Ranch, Del Rosa, or refinance a home near Kendall Hills, we’re here to help with flexible, fast loan options.
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 San Bernardino Bank Statement Loans?
These loans are built for borrowers who run their own businesses or work freelance, where taxable income may be lower due to write-offs. Instead of relying on W-2s or tax returns, we analyze 12 months of personal or business bank statements to determine income eligibility.
San Bernardino Bank Statement Loans are ideal for independent contractors, small business owners, gig workers, and others with non-traditional income streams.
Who Qualifies for San Bernardino Bank Statement Loans?
These loans are open to self-employed borrowers who’ve been in business for at least two years. Applicants with 20+ months of experience and strong industry backgrounds may also qualify. A consistent 12-month deposit history is required.
Common borrower profiles include:
- Contractors and service providers
- Logistics and transportation professionals
- Small business and franchise owners
- Real estate agents, designers, and consultants
- Retirees with non-traditional income
Borrowers with a 620+ credit score typically receive better terms. Applicants must also be at least two years removed from any major credit issues.
Common Bank Statement Loan Questions:
How the San Bernardino Bank Statement Loans Process Works
- Submit Bank Statements: Provide 12 months of personal or business bank statements.
- Personal: 100% of deposits are counted.
- Business: 50–65% of deposits are used, depending on the industry and expenses.
- Underwriting & Review: Some borrowers may need a CPA letter, but many qualify without it if deposits are consistent.
- Loan Disbursement: Use funds for purchase, refinance, or cash-out.
Why Choose Independent Home Finance Inc. for San Bernardino Bank Statement Loans?
We know the local San Bernardino real estate market—including up-and-coming areas like University District, Muscoy, and North Park. At Independent Home Finance Inc., we help you navigate the loan process with ease and ensure your income is evaluated fairly—even if it doesn’t fit the traditional mold.
Ready to explore your options? Call (888) 315-7784 or Apply Online Now and secure financing that reflects your real income.
How much do you qualify for?
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