Bank statement loans: More mortgage options for self-employed buyers and homeowners as rates ease

HousingWire·Published Dec 29, 2025·Pricing & Profitability
Summary

This article discusses bank statement loans, which allow self-employed individuals and business owners to qualify for a mortgage using bank statements instead of traditional documentation. Hosts who are self-employed or have variable income may find this helpful for purchasing or refinancing a home, opening up new financial options.

Key takeaway
Insight

Mortgage rates have been hovering near 2025 lows, with the average 30-year fixed at 6.22% (Dec 11, 2025), down from 6.60% a year earlier.

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