Yes—refinance with bank statement Non-QM using 12–24 months of deposits. See rate-and-term vs cash-out and equity guidelines.
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Bank Statement Loans
Can I Refinance?
Yes — many Non-QM programs let self-employed homeowners refinance using 12–24 months of deposits for income, whether you want a rate-and-term reset or cash-out for business or personal goals.
Common refinance paths we structure for Indiana self-employed borrowers.
Refinance guidelines vary by investor and change without notice. Not a guarantee of approval.
Self-employed homeowners often refinance into Non-QM when agency income math no longer fits.
Ryan & Steve average eligible deposits, apply the program factor, then overlay LTV grids for rate-and-term vs. cash-out on your occupancy type.
We also check payoff, closing costs, and whether conventional or FHA streamline options still beat Non-QM before you pay fees to switch.
If cash-out is the goal, we size max proceeds against credit and equity so you know the realistic wire — not a marketing number.
Refinance prep list
— 12–24 months consecutive bank statements
— Current mortgage statement and payoff intent
— HOA, insurance, and tax estimates for PITIA
— Goal: rate drop, term change, or cash-out amount
Related bank statement guides and Non-QM resources from Ryan & Steve.
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Ryan & Steve will calc deposit income, check LTV grids, and show rate-and-term vs. cash-out options before you lock.