Self-Employed
How many months of bank statements do I need?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
For a standard loan, two months of bank statements document your assets. For a bank statement income loan, lenders review 12 to 24 months to calculate your qualifying income from deposits.
The longer period on a bank statement loan establishes a reliable income average. We'll tell you exactly how many months your loan type requires and how deposits will be counted.
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