Bank Statement Loans
Financing built for self-employed borrowers whose tax returns do not tell the full income story.
Review Bank Statement OptionsYou're not always a cookie cutter borrower — and that shouldn't stand in the way of homeownership. We help clients with complex income, investment goals, unique property scenarios, and retirement-stage financing identify paths that reflect how they actually earn and operate.
Your financial picture is more than a W-2 and a credit score. Whether you are self-employed, retired, living off investments, or earning through non-traditional channels, we build lending strategies around what your file actually shows — not what a checkbox says it should.
From bank statement programs and asset depletion loans to reverse mortgages and DSCR investor financing, we match the right product to the right borrower. That means clearer expectations, smarter program selection, and communication that respects the nuances instead of ignoring them.
When the situation is non-standard, the solution should still be organized and defensible. We help borrowers navigate options with clarity.
Financing built for self-employed borrowers whose tax returns do not tell the full income story.
Review Bank Statement OptionsPrograms that focus on property cash flow for investors expanding or optimizing rental portfolios.
Explore DSCRUse significant verified assets as part of the qualification conversation when income is structured differently.
See Asset OptionsSupport for borrowers balancing multiple properties, entity structures, or portfolio growth goals.
Discuss Portfolio PlansPrograms designed for borrowers with commission, contract, seasonal, or layered income profiles.
Compare Documentation PathsHome Equity Conversion Mortgages (HECMs) and proprietary reverse options for homeowners 62 and older looking to access equity without a monthly mortgage payment.
Explore Reverse Mortgages
Specialty lending works best when the recommendation is grounded in the borrower profile, not just the existence of a niche product. We help clients sort through what is realistic, efficient, and worth pursuing.
That includes program fit, documentation strategy, property considerations, and the tradeoffs that come with more flexible underwriting paths.
We simplify the front end so the file can move with stronger expectations and fewer avoidable surprises.
We review income structure, property goals, reserves, and underwriting complexity in detail.
We identify lending options that fit the facts of the file instead of forcing a conventional path.
You get clarity on what needs to be gathered and how the file should be positioned.
We stay involved through processing and underwriting so the strategy holds up under review.
We run towards hard problems, not away from them. One of the many ways we differentiate ourselves from competition is using our decades of experience and vast company resources to make tough scenarios workable. In many cases when other lenders have shined away from a scenario that looks less than perfect, we tackle the challenge head on and get results.
We know the guidelines inside and out for bank statement, DSCR, asset depletion, reverse mortgage, and other specialty products so you get matched to the right one.
Recommendations are built around your real borrower profile — income type, asset mix, property goals — not generic category labels.
We explain the rate, documentation, and flexibility tradeoffs that come with non-traditional loans so you can make an informed decision.
Our team stays close to the details through underwriting so nuanced files do not drift into avoidable confusion or delays.
Let's discuss your goals and find the perfect loan for your journey. No pressure, just clear advice from a team that cares.
Important Disclosures: The information on this page is for general educational purposes and does not constitute a loan offer, commitment to lend, or guarantee of approval. All loans are subject to credit approval, income verification, appraisal, and underwriting requirements. Actual interest rates, APR, monthly payments, loan terms, and program availability vary based on credit profile, loan-to-value, debt-to-income ratio, property type, occupancy, points, and other factors. Program guidelines and eligibility requirements are subject to change without notice. Contact The Grigg Team for a personalized quote based on your specific situation.
ARM Disclosure: Adjustable-rate mortgages (ARMs) have an initial fixed rate period followed by periodic adjustments. After the fixed period, your interest rate and monthly payment may increase or decrease based on market conditions.
CrossCountry Mortgage, LLC NMLS #3029 (www.nmlsconsumeraccess.org). The Grigg Team NMLS #715407. Equal Housing Opportunity.