Exclusive Vault

Every loan is more than numbers, it’s your story. We’re here to guide you with clarity, care & confidence.

Every loan is more than numbers, it’s your story.

We’re here to guide you with clarity, care & confidence.

Exclusive Vault Options

Bank Statement

1099

Alt Doc

Interest Only

DSCR

Community

Foreign National

Hard Money

Bridge Loans

Income simplified

Opportunities multiplied

Bank Statement Loans

Ideal for self-employed or freelance workers, these loans let you qualify using bank statements instead of tax returns, making them a good option if your statements better reflect your finances.

Intro to Bank Statement Loans

Loan Vault knows finances aren’t always reflected on a tax form. When bank statements offer a clearer picture, we help secure the best rates and loan structures to fit your needs.

Step Inside, We’ll Guide You

Confused about where to start?

Our Loan Guide will simplify the choices & guide you toward the solutions designed for you.

Step Inside, We’ll Guide You

Confused about where to start?

Our Loan Guide will simplify the choices & guide you toward the solutions designed for you.

What is a Bank Statement loan?

A Bank Statement loan uses your bank statements as proof of income, offering flexible credit and larger down payments but typically higher rates an option when conventional loans aren’t available.

These loans:

• Allow for low credit scores required with excellent bank statements
• Do not require pay stubs or tax returns when seeking a loan
• Allowance for higher debt-to-income ratios

Is an Bank Statement Loan Right For You?

• Requirements to keep in mind when considering a bank statement loan:
• 12-24 months of bank statements
• Proof of 2 years self-employment
• Funds to cover several months of mortgage payments (reserves)

Reach out

949.504.8694

contact@loanvault.io

Phyllis C.

2 months ago

My first encounter was with Amir. He took the time to explain the process, rates, and the benefit of refinancing. Aisan Hashemi handled all my paperwork and the whole process was thorough and professional. I recommend Trusted Mortgage to anyone especially military families because of their knowledge with VA financing. Overall, we were happy with their Service.
J & P Combs

Jamie F.

2 months ago

Great service and communication throughout our interactions

Robert A.

3 months ago

Adam and Aisan were great to work with. I could not believe how quick and painless they made the process. These two are the only people I will deal with when it comes to refinancing. Adam beat every other interest rate out there. No one else came close. Don’t waste your time with anyone else.

Louis V.

6 months ago

Highly professional and honest. Outstanding service. They treat us veterans with A + service.