Bank Statement Calculator
Simply fill out our Bank Statement Income Questionnaire along with your bank statements and we'll calculate and come back to you with your numbers in 2–4 hours on average.
How to request a bank statement income calculation
The Industry's Fastest Bank Statement Income Analysis
Free, broker-only income calculation for self-employed borrowers — delivered in under 24 hours so you can quote, structure, and close with confidence.
2–4 Hour Turn Time
Most bank statement income calculations are returned within 2–4 hours of submission.
Complimentary Service
Free bank statement income analysis — no broker approval or sign-up required.
4 Bank Statement Programs
First Class, Business Class, Premium Class, and Connecting Flight Seconds.
Pair Your Calculation with the Right Jet Program
Once you have your qualifying income, structure the deal under one of these Non-QM programs — all accept 12 or 24 month bank statements.
Bank Statement Calculator Questions
What is a bank statement loan?
A bank statement loan qualifies self-employed borrowers using 12 or 24 months of personal or business bank statements instead of traditional W-2s and tax returns. Jet Mortgage accepts bank statement income on First Class, Business Class, Premium Class, and Connecting Flight Seconds.
How does the Jet Mortgage Bank Statement Calculator work?
Submit the questionnaire above along with your borrower's 12 months of bank statements. Our income calculation team analyzes deposits, applies the appropriate expense factor (50% standard, or custom with documentation), and returns a qualifying income figure to your loan officer in 2–4 hours on average at no cost.
How many months of bank statements are required?
Jet Mortgage accepts 12 months or 24 months of bank statements on First Class, Business Class, Premium Class, and Connecting Flight Seconds. Connecting Flight Seconds also allows 12-month P&L Only and 1099 income as alternatives.
What is the minimum FICO score for a bank statement loan?
Minimum FICO is 620 on Premium Class Owner-Occupied (640 Non-Owner) and 660 on First Class and Business Class Owner-Occupied (640 Business Class Non-Owner). The Bank Statement Calculator questionnaire uses a 660 minimum FICO guideline.
Can personal, business, or commingled accounts be used?
Yes. Jet Mortgage accepts business accounts, personal accounts, and commingled accounts (where business and personal funds share one account). The questionnaire above captures which scenario applies so we calculate income correctly.
What expense factors are accepted?
The standard 50% expense factor requires no additional documentation. Custom expense factors are available with supporting documentation (CPA letter, P&L, business narrative).