OptionWide Financial Corporation

Mortgages for Self-Employed Contractors & Freelancers


Loans from $150k to $4 million. Fixed Rate or Adjustable-Rate Mortgages (ARMs). Interest Only Jumbo Mortgage option available with 30 or 40 year term. Qualify to Purchase or Cash-Out Refinance with only your bank statements, a low down payment or equity, credit rating and property valuation. No need for tax returns or W2s.
  • NO Tax Returns
  • NO W-2s
  • NO 1099s
  • NO Paystubs
  • NO Pre-Pay Penalties
  • NO Balloon Payments
Speak With a Loan Expert Now!
No Appointments Necessary  |  Mortgage Bankers Hours 8am-6pm PST
Real Estate Investors Click Here
BBB A- rating

Get a MortgageWithout Tax Returns or W-2s

Use Bank Statements to Prove Income and Cash Flow


If you’re looking for a mortgage, you’ve probably heard of Bank Statement Mortgage Lending. OptionWide® Financial is one of the leading mortgage lenders in the country, and we’re known for our competitive rates and excellent customer service.

With our Bank Statement Lending program, you don’t have to worry about providing tax returns or other financial documents. Instead, we use your bank statements to determine your eligibility for a mortgage.

Our Bank Statement Lending program offers competitive rates and flexible terms to help you get the financing you need on your terms. Whether you’re looking to purchase your first home or refinance your current mortgage, we’re here to help.

Apply for a mortgage today and see how easy it can be to get to get financing for a new property, or refinance and get cash-out from an existing one!

Contact Us Now! No Appointments Necessary.
Mortgage Banker’s Hours 8am-6pm PST

Loan FeaturesPurchase or Cash-Out Refinance

Owner Occupied, Second Home, or Investment Properties


This OptionWide® Financial Bank Statement loan program is crafted for Business Owners, Freelances, Consultants, Independent Contractors, Sole Proprietors, Entrepreneurs, Real Estate Investors, Retirees, and where 1st Time Home Buyers are welcome.

  • Loan Amounts From $150K to $4M
  • 5/6 & 7/6 ARM and 15, 30, & 40yr Fixed Rate
  • Interest Only Available for 30 or 40yr Term
  • Maximum LTV 90%


  • Qualify on 12 or 24 months business or personal deposits history shown on Bank Statements, or
    • 1099 income verification option – Available
    • Tax professional/CPA Certified P&L option – Available
    • Asset Utilization option – Available
    • Written Verification of Employment option – Available
  • Minimum FICO score 660
  • Down Payment or Equity in Property
  • Property Appraisal (out-of-pocket expense)
  • 6 to 12 months reserves (purchase only)
  • NO Tax Returns
  • NO Paystubs or W2s
  • NO Prepayment Penalty (on primary or 2nd home)
  • NO Balloon Payments
  • U.S. Citizen – Eligible
  • Permanent Resident Alien – Allowed
  • Non-Permanent Resident Alien – Allowed
  • Single Family Residence (SFR)
  • Planned Unit Development (PUD)
  • Warrantable Condo (Max LTV 85%)
  • Non-Warrantable Condo (Max LTV 80%) 
  • Condo-Hotel/Condotel (Max 75% LTV Purchase; 65% LTV Refinance; $1.5MM max loan amount)
  • 2 – 4 Units (Max LTV 80%)
  • Townhome
  • Modular
  • Rural (Max 15 Acres up to 80% LTV)
  • Owner Occupied, Second Home, Investment Properties
  • Multiple properties allowed
Contact Us Now! No Appointments Necessary.
Mortgage Banker’s Hours 8am-6pm PST

Direct to Borrower LendingBeyond the Numbers

  • Flexibility With In-House Underwriting
  • Better Deals Without Intermediaries
  • Minimal Documentation Requirement
  • Faster Processing and Timely Funding
  • Get the best rates/terms – ask about our Match & Beat offer
  • First-Time Home Buyer Allowed
  • Foreign National borrower Allowed

Get a FREE Formal Pre-Approval Letter Directly From Lender

FREE Pre-Approval Letter

Cash-Out RefinanceTurn Equity Into Cash


You can pull out up to $1 million equity out of your existing property using cash-out refinance.

The lump sum loan proceeds can be spent on pretty much anything you want. A cash-out refinance might be a good way to pay for a home improvement project, debt consolidation or unexpected car repairs, or purchase another property to accelerate your real estate growth.

Contact us today to find out whether you’re eligible for a cash-out refinance and how much money you could pull out.

Direct To Borrower Lending – No IntermediariesDirect Lender Advantage


OptionWide® is a Direct Lender financial institution where we make all credit decisions and exceptions in-house, providing flexible qualification and faster funding.

OptionWide® offers mortgages in 32 states*. Working with us you’ll be able to get the bigger loan amount, best available rates and terms.

Utilizing fully automated systems and having easily reachable Expert Mortgage Bankers who are ready to help with the application process — you will be delighted with the lower costs, less frustration, and faster funding.

Ask for a FREE formal pre-approval letter to give you a leg up when house hunting.

*OptionWide® BANK STATEMENT Mortgage Program active license states: AZ, CA, CO, FL, GA, IA, IL, IN, MD, MI, MN, NE, OH, OK, OR, PA, TX, WA, WI

Contact Us Now! No Appointments Necessary.
Mortgage Banker’s Hours 8am-6pm PST