Statements in, equity out.
A bank statement HELOC is a home equity line of credit with one substitution in the file: deposit analysis where the tax return would sit. Business or personal bank statements establish the income, the appraisal establishes the value, and the line records as a stand-alone second lien behind the mortgage you already hold. Your first mortgage stays untouched. Your rate stays intact. Your equity becomes accessible on the strength of what your accounts actually show.
The program exists because tax returns understate what many self-employed households earn. Deductions that make sense on a return shrink the income a conventional lender can count; deposits do not. A borrower-permissioned account connection runs the analysis first, document review is the fallback, and business-account files carry their own credit gate and expense-factor treatment. Lendmire arranges the bank statement home equity line of credit through multiple wholesale lenders across 16 licensed states.
Three paths through statement-qualified equity.
Primary residence, second home, or rental collateral — each occupancy carries its own tier table, ceiling, and credit floor.
Bank Statement HELOC
Revolving line on a primary residence — draw as needed, repay, reuse. Up to 90% CLTV, from $25,000, 680+ FICO on business-account deposit files. Lines to $750K.
Second-Home Line
The same deposit-based income analysis on a home you use seasonally, with its own tier table a step behind the primary program. Up to 90% CLTV, 680+ FICO, lines to $500K.
Investment Property HELOC
Rental collateral routes to the investor program: business-purpose credit, 700+ FICO, up to 70% CLTV, lines to $500K — arranged through Lendmire’s investor desk.
Deposits tell the story. We know how to read them.
A statement-qualified line is decided on deposit quality, the account path, the credit tier, and how the first-mortgage terms interact with the new line — and every wholesale lender reads those items a little differently. A single-owner business, a multi-entity operator, and a contractor with seasonal deposits are three different files, and they do not all belong with the same lender.
We work with multiple wholesale sources for the bank statement home equity line of credit and match the file to the program with the right tier table, income treatment, and leverage ceiling for the situation. From preserving your existing mortgage rate to positioning the credit tier that decides the line size, we handle the placement so you do not have to chase rate sheets across lenders — and because Lendmire also arranges business-purpose equity lines and DSCR financing on rentals, an owner with investment property can plan both files under one roof.
No tax returns. Rate preserved.
Know before you borrow.
Guides, market insights, and scenario breakdowns from our licensed loan officers.
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Bank Statement HELOC Use-of-Funds Rules and LLC Vesting Options
On the home equity lines in Lendmire’s wholesale network, title must sit with you personally or in your revocable living trust. An LLC cannot hold title.
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How To Access Second-home Equity On Business Bank Statements
Underwriters strip out transfers and one-time deposits, apply an expense ratio to your business deposits, and lend against what’s left.
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How To Pull Home Equity On A Super Jumbo Bank Statement Loan
Leverage drops as the loan gets bigger, credit floors rise, and every file over $4 million gets a manual, case-by-case look before anyone submits it.
Tools to move from reading to action.
Payment calculator
Estimate what a line payment looks like alongside your existing mortgage — principal, interest, and combined monthly cost.
Calculate Tool TwoGet a quote
Start a statement-qualified scenario in under a minute. A Lendmire specialist follows up to confirm the tier, the ceiling, and program fit.
Start Tool ThreeBrowse programs
See every loan program Lendmire offers — from bank statement to HELOC to DSCR — and find the right fit.
BrowseSee your bank statement HELOC options in about a minute.
Bring the property, the balance, and the deposit history. Keep your existing mortgage rate and access the equity you have built. No commitment required.
Get A QuoteBank statement HELOCs, state by state.
Bank statement home equity line of credit for self-employed homeowners, state by state. State-specific guidelines, credit tiers, and line details below.
- Bank Statement HELOC in Alabama · 21 city guides
- Bank Statement HELOC in California · 190 city guides
- Bank Statement HELOC in Colorado · 26 city guides
- Bank Statement HELOC in Florida · 94 city guides
- Bank Statement HELOC in Georgia · 29 city guides
- Bank Statement HELOC in Indiana · 28 city guides
- Bank Statement HELOC in Michigan · 40 city guides
- Bank Statement HELOC in Montana · 9 city guides
- Bank Statement HELOC in New Mexico · 7 city guides
- Bank Statement HELOC in North Carolina · 46 city guides
- Bank Statement HELOC in Ohio · 26 city guides
- Bank Statement HELOC in Pennsylvania · 22 city guides
- Bank Statement HELOC in Tennessee · 24 city guides
- Bank Statement HELOC in Texas · 85 city guides
- Bank Statement HELOC in Virginia · 27 city guides
- Bank Statement HELOC in Washington · 42 city guides