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#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

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Free No Obligation Consultation

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    Consolidate Debt | Remodel Your Home | Start a New Business | Purchase an Investment Property
    BBB A rating

    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
    Family in new home with second mortgage loan

    Closed-End Second Mortgages for Self-Employed

    Use Bank Statement Deposits as Income

    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.

    We're Confident in Our Prices. If You've Found a Better Offer, We'll Beat It!

    Why Choose Bank Statement 2nd Mortgage

    Consolidate your debt
    Remodel your home
    Start a Business
    No Tax Returns, No W2s. We Do Not Care About Your Write-Offs Qualify With Your Bank Deposits.

    Why Choose Us?

    You Can Expect:

    • 100% Transparency
    • NO Hidden Fees
    • NO Tax Returns
    • NO W2s
    • Pre-Approval within Minutes
    • Risk Free NO Obligation Quote
    • Fast Funding
    happy couple with second mortgage loan
    We're Confident in Our Prices. If You've Found a Better Offer, We'll Beat It!

    Our Process

    What Our Customers Say

    Bank statement loan customer

    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.

    Easy pre-approval home loan customer
    Home loan solutions for customer

    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.

    Convinced to Try Us Yet? Receive a Free Quote Today.