Find more paths to homeownership with our 1-Year Tax Return Program or Bank Statements Program.

1-Year Tax Return Program

  • Borrower must be self-employed a minimum of two years in the current business
  • Owner-Occupied, Second Home, Non-Owner-Occupied Purchase, Rate/Term Refinance and Cash-Out Refinance transactions
  • FICO
    • Purchase or Rate/Term Refinance: 700
    • Cash-Out Refinance: 720
    • Non-Owner: 720
  • LTV up to 70%
  • Loan amounts up to $3,500,000
  • Max DTI 45%
  • I/O available

Bank Statements Program

  • Borrower must be self-employed a minimum of two years in the current business
  • Owner-Occupied, Second Home and Non-Owner-Occupied
  • Borrower qualified by analyzing cash flow in personal and/or business bank accounts for the most recent 12-month period
  • Purchase, Rate/Term Refinance and Cash-Out Refinance transactions
  • FICO
    • Purchase or Rate/Term Refinance: 700
    • Cash-Out Refinance: 720
    • Non-Owner: 720
  • LTV up to 75%
  • Loan amounts up to $3,500,000
  • Max DTI 45%

Contact a home loan specialist today to see how
we can best meet your needs.


Not all applicants will qualify. Some products offered by Banc of California include modified documentation requirements and may have a higher interest rate, more points or more fees than other products requiring documentation. Minimum FICO, reserve and other requirements apply. Contact your Loan Officer for additional program guidelines, restrictions and eligibility requirements. Rates, points, APRs and programs are subject to change at any time until locked in.