Available 7 Days/Week       MON - FRI  8am - 7pm       SAT - SUN  10am – 6pm
Call us (888) 259-2257
Apply Now

View Loan Assumptions
 Rates subject to change without notice

 Conforming Loan amounts up to $647,200 | FHA Loan Limits are specific to each Florida County
Check to See Florida FHA loan limits here

3 Month Bank Statement Mortgage Rates

3 Month Bank Statement Mortgage Program

Self-Employed and Business Owners, as well as those who earn seasonal income, are finally starting to have access to excellent mortgage options. This includes mortgage program does not require you to submit any tax returns, W2’s, or pay stubs; rather allow you to use bank statements to verify your income instead. Fidelity Home Group is offering a 3 Month Bank Statement mortgage program. 

Bank Statement Program Options:

3 Month Bank Statement Program Details:

  • 75% LTV max purchase
  • 70% LTV max refinance
  • Loans up to $3 million [ Minimum Loan Amount of $200,000 ] 
  • Self-Employed Borrowers Only
  • Verification of business 2 yr. history [ CPA Letter, Formation Articles, or Bus License ]
  • Credit scores starting at 740 
  • Bank Transfers can be used for qualifying income
  • No charge offs, collections, or tax liens
  • No tax returns required
  • No W2’s required
  • No pay stubs required
  • 3 Months of most recent of personal bank statement -100% of deposits used
  • 3 Months of most recent of business bank statement -50% of deposits used
  • Primary Residence Only
  • First-time home buyers OK
  • 12 Months Reserve funds required for Purchase
  • 24 Months Reserve funds required for Cash Out Refinance
  • 24 Months of Verification of current rental history required for purchase and refinance
  • When applying for the 3 Month Bank Statement Program, the mortgage application must in the same name[s] listed on the Bank Statements. 

Three Month Bank Statement Mortgage

3 Month Bank Statement Mortgage


Copyright © 2023 Fidelity Home Group® supports Equal Housing Opportunity | All Right Reserved  | NMLS Identifier 1834853. Fidelity Home Group® is not affiliated with the Department of Housing and Urban Development (HUD) or the Federal Housing Administration (FHA). Fidelity Home Group® is a Mortgage Corporation serving the state of Florida. Not intended for legal or financial advice, consult your own professionals if such advice is sought. This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties in the state of New York will be accepted through this site. Accessibility Statement  | Consent to Receive Electronic Loan Documents  |  Cookies Policy   |  Disclosures  | Email and Mobile PolicyFair Lending Policy  |  File a Complaint Mortgage Assumptions  |  NMLS Consumer Access  |  Privacy Policy  |  Terms of Use