Bank Statement Loan Program

The Bank Statement Loan Program is designed for borrowers who have strong cash flow but may not qualify using traditional income documentation. Instead of tax returns or pay stubs, this program uses personal or business bank statements to verify income. It is ideal for self-employed individuals, freelancers, and business owners with variable earnings. By focusing on real deposits, it offers a more flexible path to home financing. This program makes homeownership possible for non-traditional earners.
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Qualify Using Your Real Cash Flow

This loan program reviews monthly deposits shown on your bank statements to determine qualifying income. Typically, lenders evaluate 12 to 24 months of statements to calculate an average income amount. This approach better reflects your true earning potential compared to traditional methods. It simplifies the documentation process while maintaining reliable lending standards. Borrowers gain greater access to mortgage opportunities.
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Customized Mortgage Solutions

Every borrower’s financial situation is different, especially for self-employed professionals. This program provides personalized loan options based on your income patterns and homeownership goals. You’ll receive expert guidance throughout the mortgage process. Clear communication helps ensure a smooth and efficient experience. The focus remains on finding the right financing solution for you.
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Benefits of Bank Statement Loan Program

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No tax returns required

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Ideal for self-employed borrowers

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Uses actual bank deposits for income verification

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Flexible qualification guidelines
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Support You Can Count On

Navigating non-traditional loan programs can be challenging without the right expertise. This program pairs you with experienced mortgage professionals who understand bank statement lending. You’ll receive honest advice and full transparency from application to closing. The goal is to remove stress and create a positive experience. With professional support, you can move forward confidently.
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Why Choose Price Mortgage for Your Loan Needs

Choosing the right mortgage partner can make all the difference in your homebuying journey. With Randy Bongard at Price Mortgage, you gain more than just a lender—you gain a dedicated advisor committed to helping you achieve your financial goals and homeownership dreams. Every borrower’s situation is unique, and Randy takes the time to provide solutions that fit your specific needs, whether you’re a first-time homebuyer, refinancing, or investing in property.

We are known for

Personalized Guidance: Randy provides tailored mortgage solutions to match your unique financial goals and homeownership needs.

Expertise You Can Trust: With years of experience in both commercial and residential real estate, Randy brings deep industry insight to help you make informed decisions.

Transparent and Honest Service: Clarity and integrity are at the heart of everything Randy does, keeping you informed at every step of the mortgage process.

Flexible Loan Options: From first-time homebuyer programs to refinancing and investment property loans, Randy offers a wide variety of financing options designed to fit your goals.

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Why Choose Randy Bongard at Price Mortgage?

Choosing the right mortgage partner can make all the difference in your homebuying journey. With Randy Bongard at Price Mortgage, you gain more than just a lender—you gain a dedicated advisor committed to helping you achieve your financial goals and homeownership dreams. Every borrower’s situation is unique, and Randy takes the time to provide solutions that fit your specific needs, whether you’re a first-time homebuyer, refinancing, or investing in property.

We are known for

Personalized Guidance: Randy provides tailored mortgage solutions to match your unique financial goals and homeownership needs.

Expertise You Can Trust: With years of experience in both commercial and residential real estate, Randy brings deep industry insight to help you make informed decisions.

Transparent and Honest Service: Clarity and integrity are at the heart of everything Randy does, keeping you informed at every step of the mortgage process.

Flexible Loan Options: From first-time homebuyer programs to refinancing and investment property loans, Randy offers a wide variety of financing options designed to fit your goals.

talk to a loan specialist

"FAQs"

I offer access to a wide range of loan programs, including conventional, FHA, VA, jumbo, refinance, and investment property loans. Because I work as a mortgage broker, I can explore multiple options to find the loan that best fits your goals and financial situation.

As a mortgage broker, I’m not limited to one lender’s products. This allows me to compare multiple loan programs and rates to find the most competitive and suitable option for you, rather than a one-size-fits-all solution.

The timeline can vary based on the loan type and your specific situation, but most home loans are completed within 30 to 45 days. I stay closely involved throughout the process to keep things moving smoothly and on schedule.

Absolutely. I work closely with first-time buyers to explain every step, review available programs, and help make the process clear and comfortable from application to closing.

To begin, you’ll typically need basic financial details such as income, assets, credit history, and the estimated purchase price or loan amount. Once you reach out, I’ll guide you through exactly what’s needed based on your situation.

Start Your Home Loan Process Today

Randy Bongard with Price Mortgage is committed to helping borrowers find flexible mortgage solutions that match their financial realities. With extensive experience in bank statement loans, Randy ensures a personalized and straightforward lending experience. The Bank Statement Loan Program is designed to make homeownership accessible for self-employed and non-traditional earners. Whether you are purchasing or refinancing, expert support is always available. Fill out the form below to take the next step toward your new home.