Bank Statement Loans

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If you are self-employed or have a business where income is not consistent, Universal Home Loans can help you get the financing you need. We’re experts at helping people who don’t fit the bank’s profile get a mortgage.

Loan Features

  • No tax returns required
  • Qualified based on Personal or business statements for the most recent 12 months
  • Loan amount up to $3 million
  • 10% Down payment with no mortgage insurance
  • Owner occupied, 2nd home, Investment Property
  • Interest Only Loan Options
  • 30-year fixed option available
  • Non-Perfect Credit OK
  • Gift Funds for Down Payment
  • W2 co-borrower ok, income and employment traditionally verified
  • Retirement income is usable with verification (1099, award letter, etc)