Accelerated Lending Group
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Bank Statement Loan Program Bakersfield CA | Accelerated Lending Group
Bakersfield • Kern County • California
Bakersfield • Kern County • California

Bank Statement Loan Program in Bakersfield, CA

Designed for self-employed borrowers who want a home loan option that fits how they actually earn.

CURRENT
Many self-employed borrowers in Bakersfield bring strong revenue—yet traditional mortgage rules can hinge on tax returns that don’t reflect real cash flow.
COST
The wrong program can mean delays, extra documentation, or a “no” that doesn’t match your actual ability to afford the home.
DESIRED
A clear path to purchase or refinance that respects your income reality—without being forced into a one-size-fits-all documentation box.
BRIDGE
This Bank Statement Loan Program may allow qualification using 12 months of bank statements instead of tax returns—supporting a smoother, more practical review for self-employed borrowers.
Qualify with 12 months of bank statementsNo tax returns requiredAs low as 10% downCompetitive rates for self-employed borrowers
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Note: Options vary by borrower and property. This page is informational only and not a commitment to lend.
Who this can help
Borrower types commonly served by this program:
  • Small Business Owners
  • Independent Contractors
  • Consultants
  • Realtors
  • Freelance Employees
  • Entrepreneurs
  • Gig Workers
  • Truckers
Serving Bakersfield, Kern County, and all areas of California.

Why borrowers in Bakersfield use this program

If you’re self-employed in Bakersfield—running a business, working contracts, consulting, or earning gig income—this program is built around documentation that may align better with day-to-day income activity.

Practical qualification
Instead of relying on tax returns, this program may allow review of 12 months of bank statements to help demonstrate income for self-employed borrowers.
Less friction for busy owners
When you’re building a business, time matters. This approach is intended to reduce the “paperwork loop” that can happen when standard programs don’t fit.
1
Tell us your goal
Purchase or refinance—share what you want to accomplish.
2
Share bank statements
Provide 12 months of bank statements for review.
3
Get a clear next step
We outline the best path based on your details.
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How the process works

A clean, simple path for Bakersfield borrowers who want clarity and forward momentum.

Step 1: Apply or request a quote
Start online and tell us what you’re looking to accomplish.
Step 2: Provide bank statements
Submit 12 months of bank statements so your income can be evaluated in a way that may better match self-employed cash flow.
Step 3: Review options & next steps
We review eligibility and outline what comes next based on your scenario.

FAQ

FAQ (click a question to view the answer)
What is a Bank Statement Loan Program?
It’s a mortgage option designed for self-employed borrowers that may allow qualification using bank statements (here: 12 months) instead of tax returns, depending on the lender’s program requirements.
Do I need tax returns to qualify?
This program is promoted as a “no tax returns” option. Your scenario may still require additional documentation depending on underwriting and the overall loan file.
How many months of bank statements are used?
This program is described as qualifying with 12 months of bank statements.
Who is this program best for?
Common borrower types include small business owners, independent contractors, consultants, realtors, freelance employees, entrepreneurs, gig workers, and truckers.
Can this be used for a purchase or refinance?
The content presented here is positioned for homeownership and getting into a home loan. Specific eligibility for purchase vs. refinance depends on the program and your scenario.
Are rates and down payment requirements the same for everyone?
No. The program mentions “competitive rates for self-employed borrowers” and “as low as 10% down,” but rates, fees, and required down payment can vary based on your financial profile, property, and program guidelines.

Local trust & compliance

Accelerated Lending Group serves Bakersfield, Kern County, and all areas of California. We focus on matching the right program to your scenario with a clear, compliance-safe process.
NMLS 1563471 • DRE 02022124
All loans are subject to the marketability, quality & condition of the subject property for approval. The programs advertised are not a commitment or guarantee from Accelerated Lending Group to lend. Programs, rates, and other terms and conditions are subject to change without notice; some restrictions apply.
Ready to move forward?
If you’re self-employed in Bakersfield and want a bank statement-based path, start here.
Request a QuoteApply OnlineCall Now
This message is for informational purposes only and does not constitute a promise to lend. Individual financial situations vary and may affect rates, fees, and payments. Loan programs may change or be cancelled without notice.
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