max ltv for a bank statement loan

Maximum LTV for Bank Statement Loans

The maximum LTV for a bank statement loan is generally up to 90%, depending on the lender and program.

Here’s a breakdown of the maximum LTV limits by lender:

Lender	Maximum LTV	Key Details
FundLoans	90%	Applies to the Apex Prime program for primary residences with a FICO of 740+.
AmWest	85%	Available under the Bank Statement Advantage Program for primary residences and second homes.
A&D Mortgage	90%	Super Prime Program allows 90% LTV for primary residences with a FICO of 720+.
Angel Oak	90%	For primary residences; second homes and investment properties capped at 80%.
Champions Funding	90%	Varies by property type and loan amount; condos and 2-4 units may have lower limits.
Change Wholesale	90%	Programs like Alt Doc Prime and Alt Doc Expanded allow 90% for primary residences.
Deephaven	80%	Applies across all programs for bank statement loans.
Newfi Lending	90%	Sequoia NQM Program allows 90% for owner-occupied purchases with qualifying FICO scores.
NQM Funding	90%	Available under the Flex Select program for primary residences.
Loan Stream	80%	Typical for non-QM bank statement loans.

---

Key Takeaways:

• 90% LTV is the highest available for primary residences under specific programs with high FICO scores (typically 740+).
• Second homes and investment properties often have lower LTV limits, ranging from 80% to 85%.
• Condominiums, non-warrantable condos, and 2-4 unit properties may have additional restrictions.

Would you like more details about a specific lender or program?