Bank statement mortgages let self employed borrowers qualify using actual bank deposits rather than tax returns. Forward Capital focuses on these loans for Hawaii buyers who own businesses, contract, freelance, or earn uneven income. We review 12 to 24 months of business or personal statements, calculate qualifying income from deposits, and match you with the lender that fits your profile.

Most programs allow a minimum FICO of 660. They are available to first time buyers, investors purchasing rental property, and non resident U.S. citizens buying in Hawaii. These loans offer competitive fixed and adjustable rates, require no mortgage insurance, and can be structured with as little as ten percent down. If your tax returns do not reflect how you actually earn, a bank statement loan can be the most direct way to buy or refinance a home in Hawaii.