Skip to content

Unlock Homeownership for
Self-Employed Clients with
Bank Statement Loans!

Discover a seamless and innovative solution tailored for self-employed borrowers. ARDRI’s 12 or 24-month Bank Statement Loan Program provides you, as a mortgage broker, and your clients with flexible financing options without the hassle of tax returns. Let’s simplify the lending process together.

PRICE A LOAN DOWNLOAD FLYER

Unlock Homeownership for
Self-Employed Clients with
Bank Statement Loans!

Discover a seamless and innovative solution tailored for self-employed borrowers. ARDRI’s 12 or 24-month Bank Statement Loan Program provides you, as a mortgage broker, and your clients with flexible financing options without the hassle of tax returns. Let’s simplify the lending process together.

PRICE A LOAN DOWNLOAD FLYER

Unlock Homeownership for Self-Employed Clients with Bank Statement Loans!

Bank Statements Hero Background

Discover a seamless and innovative solution tailored for self-employed borrowers. ARDRI’s 12 or 24-month Bank Statement Loan Program provides you, as a mortgage broker, and your clients with flexible financing options without the hassle of tax returns. Let’s simplify the lending process together.

Ideal Borrowers

A borrower like Barbara, a successful graphic designer, often faces challenges qualifying for traditional mortgages due to self-employment deductions on tax returns. ARDRI provides solutions by qualifying self-employed clients using 12 months’ bank statements instead of tax returns.

This program is perfect for borrowers who:

  • Are Self-Employed: Entrepreneurs, freelancers, and small business owners with variable income streams.
  • Face Tax Return Challenges: Individuals who cannot or prefer not to rely on traditional tax returns for qualification.
  • Have Strong Bank Statement History: Consistent deposits over the last 12 or 24 months.
  • Seek Flexible Financing Options: Clients looking for a streamlined process and tailored solutions.
  • Need Competitive Loan Terms: Borrowers aiming to purchase, refinance, or cash out on their properties with favorable terms.

Program Highlights

  • Qualify with 100% on Personal Account Deposits and 50% or more on Business Account Deposits.
  • Expense factors < 50% for Business Account Deposits are available with Third-Party prepared expense statements
  • LTV up to 90% for Purchase
  • LTV up to 80% for Cash-out Refinance
  • Minimum 600 FICO
  • Loan amounts up to $4M
  • Primary, Second Home & Investment
  • For Any Type of Employment
  • No 4506T / No K-1’s / No P&L’s
  • No MI
  • No Reserve Options
  • 30YR and 40YR I/O terms available (Fixed or ARM)
  • SFR, 2-4 Units, Condos (and Non-Warrantable), PUD, Log Homes, Hobby Farms, Rural Properties, Modular and Tiny Homes
  • Let ARDRI calculate the income for you.

Click here to view pricing and eligibility for ARDRI’s Bank Statements Loan Program or price a loan with askARDRI.

Why Partner with ARDRI?

At ARDRI, we are committed to helping you succeed. Our intuitive platform, backed by advanced technology, ensures a transparent and efficient process for you and your borrowers. With a dedicated support team and a deep understanding of the Non-QM market, we are here to help you close more deals faster.

Why Partner with ARDRI?

At ARDRI, we are committed to helping you succeed. Our intuitive platform, backed by advanced technology, ensures a transparent and efficient process for you and your borrowers. With a dedicated support team and a deep understanding of the Non-QM market, we are here to help you close more deals faster.

Ready to Simplify Lending?

Let ARDRI’s 12 or 24-month bank Statement Loan Program be the key to unlocking new opportunities for your clients. Contact us today to get started or learn how we can help you grow your business.

Call us today at 855.855.8598 to learn more or start your borrower’s application!

GET APPROVED

Is Your Borrower Ready to Invest?

Help your clients achieve their investment goals with ARDRI’s DSCR Loan Program. Our innovative solutions, expert support, and tech-driven platform make it easier than ever to secure financing tailored to their needs.

Call us today at 855.855.8598 to learn more or start your borrower’s application!

Meet Our Non-QM Loan Programs

As a client-focused mortgage lender, ARDRI provides TPO brokers with innovative financing solutions that make closing deals easier. Get to know our comprehensive consumer and business loan programs!

Meet Our Non-QM Loan Programs

As a client-focused mortgage lender, ARDRI provides TPO brokers with innovative financing solutions that make closing deals easier. Get to know our comprehensive consumer and business loan programs!

Meet Our Non-QM Loan Programs

As a client-focused mortgage lender, ARDRI provides TPO brokers with innovative financing solutions that make closing deals easier. Get to know our comprehensive consumer and business loan programs!