SmartSelf allows self-employed individuals to use 12 or 24 months’ personal or business bank statements to support their income in qualifying for a mortgage.

Key Features and Benefits:

  • For borrowers who can support their self-employed income with bank statements
  • Income is calculated by averaging deposits shown on bank statements
  • Up to $3 million loan amounts
  • Can have one late mortgage payment over the last 12 months
  • 30-year fixed-rate and 30-year interest-only fixed rate terms available
  • 5/6, 7/6, 10/6 ARMs with interest-only options
    SmartSelf is a smart option for self-employed borrowers seeking the home financing they need and wish to use bank statements to qualify.


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