← Self-employed mortgage San Diego
Bank statement loan San Diego
Amir Nurani · NMLS #197458 · (619) 366-9494
Get Pre-Approved (619) 366-9494
A bank-statement loan is a documentation path for self-employed borrowers when tax returns do not show the income the business actually supports. It is not a second self-employed page. Start with the self-employed mortgage page for tax-return files. We do not invent qualifying formulas or rates. Call (619) 366-9494.
What is a bank-statement loan, in plain English?
It is a documentation path. You are self-employed. Tax returns may not show the income the business actually supports because of write-offs. Some programs look at bank deposits instead of, or in addition to, those returns. That is the path. It is not a second self-employed URL.
The self-employed page is self-employed mortgage San Diego. Start there for tax-return files. This page is only the bank-statement documentation path. Left Coast Leaders is a San Diego mortgage broker. Licensed in California. Company NMLS 2394495. Amir Nurani NMLS 197458. Company DRE 02191517. Amir DRE 02106803. We serve San Diego County and Riverside County.
We do not invent qualifying formulas or rates
Overlays vary. Deposit treatment varies. We do not publish a deposits-to-income percent, a qualifying formula, or a rate on this page. See San Diego mortgage rates for why a published number is not your lock. Call (619) 366-9494 for a real number on your statements, occupancy, and loan amount.
Credit, occupancy, assets, and the property still have to work. A documentation path is not a bypass. If two-year tax returns already support the payment, we stay on that path. If they do not, we look at whether a bank-statement program actually fits your file.
How do the 2026 loan limits still apply?
Loan amount, not list price. For a 1-unit property in San Diego County, high-cost conforming is $1,104,000. Baseline conforming is $832,750. Amounts from $832,751 through $1,104,000 are high-balance conforming. Above $1,104,000 is generally jumbo. Confirm on loan limits.
Conventional tax-return files still sit on that same line. FHA typical down is 3.5% and is a primary-occupancy program. VA with full entitlement is not capped by the old county VA limit. Documentation still has to work on those programs too.
How we work a San Diego self-employed file
Bring returns, year-to-date figures, and statements. We will tell you whether the tax-return path on self-employed mortgage San Diego is enough, or whether a bank-statement path is even in play. Use the mortgage calculator for a payment sketch only. Writing an offer? The San Diego offer sheet puts the number on paper. Already own? See Refinance San Diego.
We work these files in La Jolla, Carlsbad, Chula Vista, Oceanside, and Escondido, plus Riverside County. Get a real number with Get Pre-Approved.
Frequently asked questions
It is a documentation path for self-employed borrowers when tax returns do not show the income the business actually supports. It is not a second self-employed page. Start with the self-employed mortgage page for tax-return files.
No. The self-employed page is services/self-employed-mortgage-san-diego.html. This page is the bank-statement documentation path only. Do not treat them as two self-employed URLs.
No. We do not invent qualifying formulas or rates on this page. Program overlays vary. Call (619) 366-9494 for a real number on your deposits, occupancy, and loan amount.
The test is still loan amount. 2026 1-unit high-cost conforming in San Diego County is $1,104,000. Baseline is $832,750. Amounts from $832,751 through $1,104,000 are high-balance. Above $1,104,000 is generally jumbo.
Often yes. Many self-employed San Diego files still use two-year tax returns. Bank statements are a different path when write-offs make tax income a poor picture of the business. We check both.
Sometimes, if occupancy and the rest of the file fit. FHA typical down is 3.5% and is a primary-occupancy program. VA with full entitlement is not capped by the old county VA limit. Documentation still has to work.
No. Credit, occupancy, assets, and the property still have to work. A documentation path is not a bypass.
No. This page is a documentation path, not a rate quote. See San Diego mortgage rates for why a published number is not your lock.
Need a real number on a self-employed file?
Get pre-approved. We check tax-return documentation first, then whether a bank-statement path even fits.
Get Pre-ApprovedLeft Coast Leaders, Inc. · San Diego, CA 92111 · (619) 366-9494 · NMLS #2394495 · DRE #02191517 · Amir Nurani NMLS #197458 · Amir Nurani DRE #02106803 · Equal Housing Lender