#1 Direct Lender for Home Equity
for Self-Employed
Unlock Your Home’s Equity and Get Cash Fast!
- Borrow up to $550k
- Credit Score Down to 660
- All Occupancy Types OK
- All Property Types
- No Tax Returns, No W2 Needed
- Use Personal or Business Bank Statements
- 10, 15, 20 or 30-year Fixed
- Same Day Approvals
Get Quick Quote Now!

Get Approved Today!
- Closed End Second Mortgages for Self-Employed
- Qualify with Bank Statement Deposits
- No Tax Returns
- No W2s
- Direct Lender
- No Prepayment Penalties

Closed-End Second Mortgages for Self-Employed
Take advantage of your home's equity with an Optionwide Financial Closed-End Second Mortgage. Borrow up to $550K and use the funds to purchase another property, make renovations, consolidate debt, or start a business.
- Borrow $75k up to $550k
- Credit Scores Down to 660
- Recent Credit Events OK
- All Occupancy Types OK
- All Property Types
- 10, 15, 20, or 30-year Fixed
- Multiple Qualifying Options
- No Reserves Required
- No Prepayment Penalty
Bank Statement
Second Mortgages
A Bank Statement Second Mortgage allows self-employed borrowers to use their personal or business bank statements from the past 12-24 months to prove their income to qualify for a loan and access the equity in their property.
Why Choose Bank Statement 2nd Mortgage



Why Choose Us?

Our Experience

Our Approach

Our Promise
You Can Expect:
- 100% Transparency
- NO Hidden Fees
- NO Tax Returns
- NO W2s
- Pre-Approval within Minutes
- Risk Free NO Obligation Quote
- Fast Funding

Our Process

Call or Apply Online

Get Approved

Get Funded
What Our Customers Say

Robert M. - Colorado
I couldn't qualify for traditional financing because of my write-offs so I applied with OptionWide. They were completely transparent with my loan options and guided me throughout the entire process and they didn't care about my write-offs. They used my monthly deposits as my monthly income.
Laura S. - California
I had been denied by another lender but needed to get funded quickly. I called OptionWide and they listened to my situation and started my loan process immediately. I got pre-approved within minutes and my loan funded in 21 days. Truly a reliable direct lender.


David L. - California
OptionWide came up with solutions to meet both my short-term and long-term goals. They were knowledgeable, easy to work with, and made me feel comfortable through the entire process.