Z-Bank Statement Loans

Bank Statement Loans


We offer the best 12 and 24 month bank statement loan mortgage programs for self-employed borrowers. Consult a specialist today & get the best rates! 800-216-1723


HomeXpress Mortgage is a responsible lender that gives loans to borrowers who have the ability to repay their loans and who meet all regulatory lending criteria. We’re providing opportunities for more borrowers to take part in the American dream of homeownership even though they may have had significant credit events or have verifiable income that does not fit the standard mortgage loan grid.

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As a wholesale lender, HomeXpress Mortgage looks at the borrower’s income based on their employment category. So, instead of basing the loan decision process solely on a credit score and government underwriting matrices, our approach is based on 24 months’ worth of personal or business statements in the bank.


This allows us to see the bigger picture when it comes to borrowing and determining the borrower’s Ability to Repay (ATR) the loan according to the loan’s terms. HomeXpress Mortgage examines the cash flow and expenses, such as bill and lease payments, during the approval process of bank statements for mortgage loans like this.

We are a wholesale mortgage lender. We are licensed to work with partners, including mortgage brokers and mortgage bankers, in 28 states. As lenders, we help brokers provide non-QM loan products to their clients. Our account executives work directly with brokers and our Broker Platform gives brokers a real-time look at loan status for all of their clients.

    • PrimeX – Minimum FICO of 680 with 85% LTV on Purchases and 80% LTV on Cash-Outs.
    • CoreX- Cash-Out CAN be used for reserves with FICO scores as low as 700 with 85% LTV on Purchases and 80% LTV on Cash-Outs.
    • InvestorX- Minimum FICO of 680 with 85% LTV on Purchases and 80% LTV on Cash-Outs.  Foreign National Programs also available


Have a look at our rate sheets and bank statement mortgage programs for more information about all of our bank statement loan products.


HomeXpress Mortgage products are available in 32 states and Washington DC: Alabama, Arizona, Arkansas, California (BRE and DBO), Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Kansas, Louisiana, Maryland, Michigan, Minnesota, Montana, New Hampshire, Nevada, New Jersey, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin.


Visit our State Licensing page for more license information.



HomeX Mortgage takes pride in providing top-notch service and finding the right solution quickly. We have over 60 account executives, who are experienced, knowledgeable, and responsive. Get in contact with us and experience why we’ve built a reputation for having the best service among bank statement mortgage lenders.

Stay up to date on loan progress with the HomeXpress Broker Portal, which provides you alerts when loans hit major milestones along the way, such as when loans are assigned to underwriters. Our loan pricing engine will show you detailed pricing options on our products. Once you’ve submitted a loan with HomeX, you’ll be able to see loan conditions and loan clearances in real-time on the portal.


We work with Loan Brokers and Loan Officers like you on a daily basis, helping structure loans and provide solutions for borrowers who have not found success through traditional lenders or government automated underwriting methods.


24-month Bank Statement Programs from The Industry’s Most Trusted Lender


Are you a broker who would like to place your customers with this type of loan? If so, reach out to our team to learn more about our individual loan products and services. Due to the specialized nature of our products, a highly experienced Account Executive is key to helping your team analyze and pre-qualify borrowers. We do not leave DU or LP in charge of your borrowers unique financial needs, our Account Executive will guide you every step of the way. To get started with your bank statement loan, give us a call at 800-216-1723 or complete our broker application online.