Bank Statement Loans in Irvine

Get Approved Without Tax Returns or W-2s

Self-employed in Irvine? You're not alone—and you’re not out of options when it comes to getting a mortgage. At EZDirectLoans, we specialize in Bank Statement Loans that let you qualify using your personal or business bank statements, not traditional income documentation.

This is home financing reimagined for the modern workforce.

Why Bank Statement Loans?

In California’s dynamic economy, many professionals are self-employed, freelancers, gig workers, or small business owners. Traditional mortgage lenders often make it difficult—if not impossible—for these borrowers to qualify, even if they have healthy income and strong credit.

EZDirectLoans offers a smarter, more flexible path to homeownership.

With a Bank Statement Loan, you can:

• Skip the tax returns and W-2s

• Qualify based on 12 to 24 months of bank statements

• Get approved for up to $3 million

• Use the loan for a primary residence, second home, or investment property
  
  

Whether you're buying your first home or expanding your real estate portfolio, this is the loan that works with your lifestyle—not against it.

Who Are Bank Statement Loans For?

Bank Statement Loans are ideal for:

• Self-employed professionals and business owners

• Freelancers, consultants, and gig economy workers

• Independent contractors (real estate agents, hair stylists, artists)

• Investors and landlords with property income

• Doctors, lawyers, and other high-income professionals with complex finances
  
  

If you’ve been told “no” by banks because of your income structure, it’s time to talk to EZDirectLoans.

How Bank Statement Loans Work

Rather than verifying income through pay stubs or tax returns, we review your bank statements over a 12- or 24-month period.

Here's a simplified breakdown of the process:

1. Submit your bank statements (personal or business) for the last 12 or 24 months

2. We calculate your average monthly income based on deposits

3. We determine how much you qualify for—just like any traditional loan

4. You choose from flexible loan terms and interest rate options
   
   

It’s that easy. No more red tape, no more stress over tax write-offs shrinking your reported income.

Benefits of Bank Statement Loans with EZDirectLoans

✅ No Tax Returns Required

Traditional lenders may disqualify you based on tax deductions or inconsistent income. With EZDirectLoans, your deposits tell the full story—and we listen.

✅ Loan Amounts Up to $3 Million

Need a loan that reflects your actual financial power? We’ve got you covered, whether you’re buying a modest condo or a multi-million dollar home.

✅ As Little As 10% Down

Competitive down payment options—no private mortgage insurance (PMI) required in many cases.

✅ Competitive Interest Rates

Our rates rival those of conventional loans, with none of the rigidity.

✅ Use for Multiple Property Types

Primary residence, vacation home, or investment property—we can help finance them all.

✅ Customizable Loan Terms

Choose from fixed-rate options (30-year or 15-year) or adjustable-rate mortgages (ARM) like 5/1, 7/1, or 10/1.

Requirements to Qualify

While bank statement loans are more flexible, they still require financial stability and responsible credit behavior. Here’s what you’ll need:

• 12–24 months of personal or business bank statements

• 2 years of self-employment history

• Verified through a business license, CPA letter, or incorporation docs
  

• Credit score (minimum requirements vary)

• Debt-to-Income Ratio up to 50%

• Proof of reserves (typically 3 months of mortgage payments)

• Low NSF/overdraft activity

• Optional: Gift funds may be used for down payment
  
  

Don’t worry—we walk you through every step. Our expert loan consultants will help you understand exactly what’s needed to qualify.

Why Choose EZDirectLoans?

We’re not just another lender—we’re a partner in your financial journey. At EZDirectLoans, we believe that income should be measured by reality, not outdated paperwork.

Here’s what sets us apart:

• Fast Closings – Average loan closes in just 20 days

• Dedicated Loan Experts – Personalized guidance from start to finish

• California Focused – We understand the unique housing market and income challenges across the state

• Non-QM Specialists – We offer other flexible loan types including asset depletion, VOE-only loans, and more

We’ve helped hundreds of self-employed Californians unlock homeownership—when banks said no, we said YES.

Ready to Get Started?

You’ve worked hard to build your income stream. Now it’s time to leverage it—on your terms.

At EZDirectLoans, we make it easy:

• Get a FREE customized quote

• Schedule a consultation with a loan expert

• Close in as little as 20 days

Don’t let traditional requirements hold you back from your dream home or next investment.

Frequently Asked Questions About Bank Statement Loans

How many months of bank statements do I need?

Typically, you’ll need 12 or 24 months of statements, depending on your loan profile.

Can I qualify with business bank statements?

Yes! We accept either personal or business statements, depending on how your income flows.

Is a higher down payment required?

You may need to put down 10–20%, depending on your credit and loan amount. But PMI is often not required, even at 10% down.

What credit score is needed?

Minimums vary, but many lenders approve bank statement loans with scores as low as 620–660.

Do bank statement loans have higher rates?

Not necessarily. Rates are competitive and often comparable to traditional loans, especially for borrowers with solid financials.

Unlock Homeownership with EZDirectLoans

Whether you’re a tech entrepreneur in the Bay Area, a musician in LA, or a solopreneur in Sacramento, EZDirectLoans is here to help you turn your deposits into keys—to your next home.