{"id":5635,"date":"2023-04-03T17:30:09","date_gmt":"2023-04-03T17:30:09","guid":{"rendered":"https:\/\/griffinfunding.com\/?p=5635"},"modified":"2025-11-16T18:30:48","modified_gmt":"2025-11-16T18:30:48","slug":"what-is-a-bank-statement","status":"publish","type":"post","link":"https:\/\/griffinfunding.com\/blog\/bank-statement-loans\/what-is-a-bank-statement\/","title":{"rendered":"What Is a Bank Statement? What It Is, Why It\u2019s Important, &#038; How to Get One"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">If you are a <\/span><a href=\"https:\/\/griffinfunding.com\/blog\/bank-statement-loans-for-first-time-home-buyers\/\"><span style=\"font-weight: 400;\">first-time home buyer<\/span><\/a><span style=\"font-weight: 400;\">, it&#8217;s important to explore all your options when trying to secure funding for your dream house. There are several <\/span><a href=\"https:\/\/griffinfunding.com\/blog\/types-of-home-loans\/\"><span style=\"font-weight: 400;\">types of home loans<\/span><\/a><span style=\"font-weight: 400;\"> to consider. However, if you&#8217;re self-employed or have <a href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/1099-mortgage-loans\/\"><span style=\"font-weight: 400;\">1099 income<\/span><\/a> due to working as a contractor, things become a bit more complicated. Without a W-2 showing the wages you earned from an employer, you might find it challenging to get a mortgage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fortunately, there are other ways to prove your income, including a bank statement loan. This article answers the question, &#8220;What is a bank account statement?&#8221; and discusses how you can obtain a bank statement to get a home loan.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bank statement loans are ideal for prospective homeowners with no proof of income from an employer. Whether you\u2019re a real estate investor, a freelancer, or a retiree, a bank statement loan can help you achieve your homeownership goals.<\/span><\/p>\n<p>For self-employed borrowers and contractors with non-traditional income, using bank statement income verification through our streamlined digital portal means less paperwork and faster access to home financing.<\/p>\n<div id=\"key_takeaways\"><h3>KEY TAKEAWAYS<\/h3><ul style=\"line-height: 1.5; font-size: 15px;\">\n<li style=\"font-weight: 400;\">A bank statement is a monthly document that shows all transactions, deposits, withdrawals, fees, and account balances for a specific period, serving as a comprehensive record of your financial activity.<\/li>\n<li style=\"font-weight: 400;\">Self-employed individuals, contractors, freelancers, and business owners can use 12-24 months of bank statements instead of traditional W-2s or tax returns to prove income for mortgage applications.<\/li>\n<li style=\"font-weight: 400;\">Bank statements make the application process more accessible for non-traditional income earners while still maintaining responsible lending standards.<\/li>\n<\/ul>\n<\/div>\n<h2 id=\"link1\"><span style=\"font-weight: 400;\">What Is a Bank Statement?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">So, what is considered a bank statement? If you have a bank account, you should get a bank statement every month. This document includes all transactions that occurred during the statement period. As well as containing your account information, it will show a detailed description of all deposits and withdrawals.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Your bank will issue these statements so that you can review your transactions. Typically, you&#8217;ll receive the statement on a specific day. All transactions appear in order by date.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-5637 size-full\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/03\/unnamed-4-1.jpg\" alt=\"Financial income statement with calculator and pencil. Balance the investment portfolio\" width=\"512\" height=\"342\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/03\/unnamed-4-1.jpg 512w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/03\/unnamed-4-1-300x200.jpg 300w\" sizes=\"auto, (max-width: 512px) 100vw, 512px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Other information you might find on a bank statement includes the following:<\/span><\/p>\n<ul style=\"line-height: 1.5; font-size: 15px; color: #000; background: #fff;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Statement period<\/b><span style=\"font-weight: 400;\">: This represents the dates covered in a bank statement. For example, your bank statement might run from January 15th to February 14<\/span><span style=\"font-weight: 400;\">th<\/span><span style=\"font-weight: 400;\"> and come in the mail or to your email address at the end of February.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Starting and ending account balances<\/b><span style=\"font-weight: 400;\">: By looking at your beginning and ending balances, you can calculate how much your balance increased or decreased based on your most recent spending.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>All completed transactions<\/b><span style=\"font-weight: 400;\">: Each line shows the date the transaction occurred, the amount of the transaction, and the name of the person or entity sending or receiving money from the account. You can also see pending transactions.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fees and any interest earned<\/b><span style=\"font-weight: 400;\">: If you have an interest-bearing account, it will show how much interest you earned.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Bank information<\/b><span style=\"font-weight: 400;\">: The statement has the issuing bank, account number, and contact information, such as the phone number or mailing address.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Transaction level details typically include the amount involved, the payee, and the date. You can also see the same information for withdrawals, deposits, checks, and bank fees.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Bank Statement Example<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A simplified bank statement might include a beginning balance of $1,000, one deposit for $3,000, and one withdrawal for $2,000. Assuming no service charges, you would have an ending balance of $2,000.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The bank statement should include the date and description for the withdrawal and deposit, as well as any other transactions that occur during the statement period.<\/span><\/p>\n<h2 id=\"link2\"><span style=\"font-weight: 400;\">How to Get a Bank Statement<\/span><\/h2>\n<p data-start=\"567\" data-end=\"945\">Obtaining your bank statements is easier than ever\u2014and you have multiple options to choose from, depending on your preference. Most banks and credit unions offer online access to your statements, where you can download a PDF copy for any month you need. If you cannot locate your statements online, you can contact your bank directly to request mailed copies or assistance accessing your account.<\/p>\n<p data-start=\"947\" data-end=\"1381\">For borrowers applying for a bank statement loan, the fastest and most convenient method is using Griffin Funding\u2019s secure digital portal. Our industry-leading bank-connection technology allows you to instantly and securely sync 12\u201324 months of bank statements from nearly all U.S. banks and credit unions with just one click, eliminating manual uploads and speeding up your mortgage process.<\/p>\n<p data-start=\"1383\" data-end=\"1738\">If you prefer traditional retrieval, you can still log into your bank\u2019s online portal and download recent statements\u2014typically covering the last 60 to 90 days\u2014or opt for mailed paper statements. Regardless of the method you choose, it\u2019s always a good idea to review your statements periodically to ensure accuracy and stay on top of your financial health.<\/p>\n<p data-start=\"1383\" data-end=\"1738\"><div class=\"cta_banner gold_cta\" style=\"background:url(https:\/\/griffinfunding.com\/wp-content\/uploads\/2024\/02\/gold-background-1.png)\"><h3>Download the Griffin Gold app today!<\/h3><p>Take charge of your financial wellness and achieve your homeownership goals <br><br>\r\nUse invitation code: <b>GRIFGOLD<\/b> to register.<\/p><div class=\"stores\"><a href=\"https:\/\/apps.apple.com\/us\/app\/griffin-gold\/id6460034387\"><img decoding=\"async\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2024\/02\/apple-icon.svg\" \/><\/a><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.griffinfunding.gold\"><img decoding=\"async\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2024\/02\/google-store.svg\" \/><\/a><\/div><\/div>\n<h2 id=\"link3\"><span style=\"font-weight: 400;\">What Is a Bank Statement Loan?<\/span><\/h2>\n<p><a href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/bank-statement-loans\/\"><span style=\"font-weight: 400;\">Bank statement loans<\/span><\/a><span style=\"font-weight: 400;\"> provide a convenient alternative for <a href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/self-employed-mortgage\/\"><span style=\"font-weight: 400;\">self-employed borrowers<\/span><\/a> and others who don&#8217;t have traditional jobs. They serve as an alternative for workers or business owners who don&#8217;t receive pay stubs or W-2s from employers. As such, bank statement loans are classified as Non-QM loans.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These non-traditional loans require additional documentation to prove your income and ability to pay your mortgage. We can assist self-employed borrowers with our bank statement loan program. Whether you\u2019re looking for a bank statement purchase loan or a <a href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/self-employed-refinance\/\"><span style=\"font-weight: 400;\">bank statement cash-out refinance loan<\/span><\/a>, we have options that can help you achieve your financial goals.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Rest assured that self-employment does not necessarily disqualify you from getting a mortgage. You won&#8217;t have to submit tax returns to apply for a first-time mortgage loan. You can also use bank statement loans to apply for cash-out refinance loans on your current home.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you are a realtor, restaurant, small business owner, or a member of the gig economy, this could be your best option for buying a new home or cashing out equity on the one you have.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here are some of the most popular types of bank statement borrowers:<\/span><\/p>\n<ul style=\"line-height: 1.5; font-size: 15px; color: #000; background: #fff;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Business owners<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Realtors<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Entrepreneurs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sole proprietors<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Retirees<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Freelance employees<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Contract workers<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Consultants<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gig economy workers<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Independent contractors<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If you&#8217;re a self-starter who likes to control your own destiny, one or more of these occupations may apply to you. Find out how a bank statement loan works and how you can use it to pursue your real estate investment goals.<\/span><\/p>\n<p>Instead of collecting stacks of tax returns and pay stubs, borrowers can sync 12-24 months of statement data through our portal\u2014accelerating approval and simplifying documentation.<\/p>\n<h2 id=\"link4\"><span style=\"font-weight: 400;\">How Does a Bank Statement Loan Work?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When you apply for a bank statement loan, you won&#8217;t need your tax returns, W-2s, pay stubs, or employment verification forms. As an alternative, you can use your checking and savings account bank statements to show cash flow and income trends.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, you&#8217;ll still need to gather certain paperwork needed by your banker or the underwriter and have all requested documents ready before you get approved for a bank statement loan.\u00a0<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5638 size-full\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/03\/unnamed-4-1.png\" alt=\"\" width=\"512\" height=\"206\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/03\/unnamed-4-1.png 512w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/03\/unnamed-4-1-300x121.png 300w\" sizes=\"auto, (max-width: 512px) 100vw, 512px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Here are some of the typical requirements for your bank statement loan application:<\/span><\/p>\n<ul style=\"line-height: 1.5; font-size: 15px; color: #000; background: #fff;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">12 to 24 months of bank statements (business or personal)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Be self-employed for at least two years\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your business license, if applicable<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Proof of liquid assets for collateral<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A credit report showing a score of 620 or more<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Minimum 10% down payment<\/span><\/li>\n<li aria-level=\"1\">Income is based on average monthly deposits<\/li>\n<li aria-level=\"1\">A percentage of the deposits are counted based on your business type or a CPA letter<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You may wonder why we need all this information. The truth is that the more information we have, the better case we can make for your mortgage loan request.<\/span><\/p>\n<h2 id=\"link5\"><span style=\"font-weight: 400;\">Benefits of a Bank Statement Loan<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Although getting a loan at all may seem like a huge benefit if you&#8217;ve been denied traditional loans, there are other benefits of choosing a bank statement loan, including the following:<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-10637\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/04\/WhatIsaBankStatement.png\" alt=\"Pros and Cons of Bank Statement Loans\" width=\"1000\" height=\"618\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/04\/WhatIsaBankStatement.png 1000w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/04\/WhatIsaBankStatement-300x185.png 300w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/04\/WhatIsaBankStatement-768x475.png 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/p>\n<ul style=\"line-height: 1.5; font-size: 15px; color: #000; background: #fff;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>No tax returns required<\/strong>: No need to bring tax returns or undergo a traditional income verification process.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Streamlined income verification<\/strong>: Deposits to your bank account serve as direct proof of your monthly income, making the qualification process more straightforward for self-employed borrowers. This allows for greater income visibility \u2014 for people who take legitimate deductions.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Simple documentation process<\/strong>: Business owners can easily obtain up to two years of bank statements, and if you prepare P&amp;L statements, a certified public accountant will review your financials as required by the lender.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Low down payment options<\/strong>: You can secure financing with as little as 10% down, making homeownership more accessible without requiring substantial upfront capital.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>High equity access for refinancing<\/strong>: Cash-out refinance loans allow you to borrow up to 80% of your home&#8217;s equity to fund new investment projects or business ventures.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Substantial borrowing capacity<\/strong>: Bank statement loans offer financing up to $5 million using only your bank statements as income documentation.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Flexible mortgage terms<\/strong>: Choose from various loan structures, including fixed-rate, adjustable-rate, or interest-only mortgages, to match your financial strategy and cash flow needs.<\/li>\n<li aria-level=\"1\"><strong>Faster document turnaround<\/strong>: thanks to our secure digital bank statement syncing software, which integrates with a majority of US banks and credit unions.<\/li>\n<\/ul>\n<p>Ready to explore your bank statement loan options? Contact us today.<\/p>\n<h2 id=\"link6\"><span style=\"font-weight: 400;\">Apply for a Bank Statement Loan Through Griffin Funding<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A bank statement loan is a great alternative if your tax returns don\u2019t reflect your true income. However, many self-employed workers may wonder if they&#8217;re eligible for other types of loans. We can help you work through the process and choose a loan that&#8217;s consistent with your borrowing needs and sources of income.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bank statement loans have their downsides, but they are a great tool if you need a better way to show your revenue. At Griffin Funding, we offer bank statement loans and other types of <\/span><a href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/asset-based-loans\/\"><span style=\"font-weight: 400;\">asset-based loans<\/span><\/a><span style=\"font-weight: 400;\"> to speed up the application process in your favor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><a href=\"#popmake-6804\">Get started online today<\/a> or contact us to set up an appointment and discuss your real estate investment needs. By working with one of our loan specialists, you can find a home loan that best suits your goals.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you are a first-time home buyer, it&#8217;s important to explore all your options when trying to secure funding for your dream house. There are several types of home loans to consider. However, if you&#8217;re self-employed or have 1099 income due to working as a contractor, things become a bit more complicated. Without a W-2<a class=\"moretag\" href=\"https:\/\/griffinfunding.com\/blog\/bank-statement-loans\/what-is-a-bank-statement\/\">&#8230;<\/a><\/p>\n","protected":false},"author":2,"featured_media":5636,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[74],"tags":[],"class_list":["post-5635","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bank-statement-loans"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.0 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What Is a Bank Statement? | Griffin Funding<\/title>\n<meta name=\"description\" content=\"A bank statement lists transactions that occurred within a given timeframe. 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