Best Bank Statement Lenders for Nevada 2026 — Comparison Guide
The 60-second answer
For Nevada self-employed buyers shopping bank statement loan programs, the practical short list:
| Lender / Program | NV Available? | Best For | Notable |
|---|---|---|---|
| our specialty non-QM programs | ✅ Yes | Most NV self-employed; physician + medical including CRNA/DVM/PharmD | Mike's primary; includes physician loan terms |
| portfolio programs | ✅ Yes | Higher LTV scenarios; flexible documentation | Strong 90% LTV options |
| portfolio programs | ✅ Yes | Multi-product alt-doc | Bank statement + 1099 + P&L combined |
| specialty non-QM Mortgage | ✅ Yes | Major Non-QM brand | Comprehensive product line |
| Lima One Capital | ✅ Yes | Investor + self-employed hybrid | DSCR + bank statement combos |
| Kiavi | ✅ Yes | Investor-focused | More DSCR than self-employed primary |
| NQM Funding | ✅ Yes | Generic Non-QM | Less specialty depth |
| Quontic | ✅ Yes | Limited NV presence | Smaller market |
| North American Savings Bank | ✅ Yes | Limited NV product line | Smaller |
For most NV self-employed buyers, the practical short list is: 1. our specialty non-QM programs) — broad eligibility + physician loan integration 2. portfolio programs — strong LTV options 3. portfolio programs — multi-product flexibility 4. specialty non-QM Mortgage — established Non-QM brand
Why this comparison matters
Most bank statement lender comparison sites:
- Don't verify NV availability — programs may not actually serve NV
- Are lender-owned sites — biased toward their own products
- Don't address specialty scenarios (physician + medical, agent commission, tourism worker)
- Don't compare actual rates + terms in NV market
This page is built by a NV-licensed loan originator (Mike Certo) with actual experience originating bank statement loans in NV across multiple programs.
Lender deep dives
our specialty non-QM programs)
How accessed: Through Cornerstone First Mortgage's program platform.
Terms:
- Loan size: Up to $2M
- LTV: 80-90% depending on scenario
- Rate: Competitive (at current market pricing)
- Documentation: 12 or 24 month bank statements
- Personal + business statements: Both accepted
Specialty:
- Physician + medical specialty inclusion (CRNA, DVM, PharmD — rare among Non-QM)
- Bank statement + physician loan combination for self-employed physicians
- Strong NV market presence (Mike has originated multiple)
Best for: Most NV self-employed scenarios; physicians/medical professionals; established freelancers.
portfolio programs
Terms:
- Loan size: Up to $5M
- LTV: Up to 90% (some scenarios)
- Rate: Competitive (at current market pricing)
- Documentation: Flexible (12, 24 month; personal + business)
Specialty:
- Higher LTV than most competitors
- Flexible documentation
- Real estate investor crossover
Best for: Buyers needing higher LTV; combined self-employed + investor scenarios.
portfolio programs
Terms:
- Loan size: Up to $3M
- LTV: 80-85% typical
- Rate: Competitive
- Documentation: Multi-product (bank statement + 1099 + P&L)
Specialty:
- Multi-product capability in one application
- Strong P&L only program
- DSCR investor crossover
Best for: Multi-source income scenarios; combined documentation.
specialty non-QM Mortgage Solutions
Terms:
- Loan size: Up to $3M+
- LTV: 80-85% typical
- Rate: Standard Non-QM range
- Documentation: Multi-product
Specialty:
- Established Non-QM brand recognition
- Comprehensive product line
- National presence + reputation
Best for: Buyers wanting brand-recognized lender; multi-product needs.
Lima One Capital
Terms:
- Loan size: Up to $3M
- LTV: Investor scenarios typically
- Rate: Standard Non-QM
- Documentation: Bank statement + DSCR combinations
Specialty:
- Investor focus with self-employed crossover
- DSCR + bank statement combinations
Best for: Self-employed investors; rental property scenarios.
Smaller / Limited NV presence
- NQM Funding: Generic Non-QM; limited NV-specific marketing
- Quontic: Smaller national presence in NV
- North American Savings Bank: Smaller NV market
Lender comparison by scenario
Scenario: Standard self-employed, $625K NV home, 720 credit
Best: our specialty non-QM programs) Alternative: portfolio programs (multi-product flexibility)
Scenario: Higher LTV needed (90%+)
Best: portfolio programs (highest LTV options) Alternative: our specialty non-QM programs)
Scenario: Self-employed physician (CRNA, DVM, PharmD)
Best: our specialty non-QM programs) Alternative: Standard physician loan via Cornerstone
Scenario: Multi-source income (W-2 + 1099 + business)
Best: portfolio programs (multi-product capability) Alternative: specialty non-QM (multi-product comprehensive)
Scenario: NV LV + Reno multi-state investor scenarios
Best: Lima One Capital (investor focus + self-employed crossover) Alternative: portfolio programs (flexible)
Scenario: $2M+ jumbo bank statement loan
Best: portfolio programs (up to $5M) Alternative: specialty non-QM (substantial size capacity)
Scenario: International / non-US borrower
Best: our specialty non-QM programs) Alternative: Specialty programs via Mike's network
How to shop bank statement loan offers
Step 1: Get pre-qualified with 2-3 programs simultaneously
- Mike (Cornerstone our specialty non-QM programs)
- One of: portfolio programs, portfolio programs, specialty non-QM
Step 2: Compare rates, fees, max LTV for your specific scenario
- Lender-specific rate quotes
- Closing cost estimates
- Fees + points
Step 3: Lock in best rate + terms
- Rate lock periods: 30-60 days typical
Step 4: Move to full underwriting
- Bank statements + income docs
- Asset documentation
- Property identification
Step 5: Close
- 30-45 days from offer acceptance typical
Frequently asked questions
What makes our primary bank-statement program the usual first pick?
Combination of: competitive terms, broad eligibility (especially physician + medical specialty inclusion of CRNA/DVM/PharmD), strong NV market presence, integrated physician loan + bank statement capability.
Are bank statement loan rates standardized across lenders?
No — pricing varies meaningfully between lenders, so comparing offers is worth it.
How long do bank statement loans take?
Typically 30-45 days from application to closing. Similar to conventional timeline. Some specialty scenarios slightly longer.
Can I shop multiple bank statement loans?
Yes — multiple lender applications in parallel common. Mike welcomes comparison shopping.
What if a national bank statement lender says they're not in NV?
Verify directly with that lender. Some programs vary by state. NV's smaller market sometimes underserved by national programs.
What about credit unions for bank statement loans?
Most credit unions don't offer bank statement loans (focus on conventional). Some specialty credit unions; rare in NV.
Can I refinance bank statement loan to conventional later?
Yes — if your scenario evolves (W-2 employment, tax returns favorable), conventional refi possible. Standard refi process.
What's the typical bank statement loan rate premium vs conventional?
Priced above comparable conventional — quoted at the file level. Worth paying when bank statement enables substantially higher qualifying.
Does Mike charge to compare lenders?
No — Mike's lender comparison + analysis is free. Mike earns at closing (paid by lender per industry standard pricing).
Can I get a bank statement jumbo loan in NV?
Yes — program capacity runs up to $5M depending on the product tier.
Talk to Mike about your NV bank statement loan scenario
Free 30-minute call. Mike will compare 2-3 programs side-by-side for your specific scenario.
(480) 296-6513 · Mike Certo, NMLS #260555 · Cornerstone First Mortgage NMLS #173855
Sources
Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content + lender comparison; Mike originates our specialty non-QM programs. Other lender availability + terms verified May 2026; may change. Loans subject to buyer and property qualification.