Bank statement loans qualify self-employed borrowers on 12-24 months of business or personal bank deposits. Ideal when your tax returns understate your true cash flow. Here is how the program works specifically for buyers, owners, and investors in Napa County and the rest of Napa County.
$1,017,750 (2026 conforming)
≈ $1.05M
12 or 24 months of statements
10-20%
Napa is estate, vineyard, and portfolio-lender territory. Complex income, agricultural acreage, and multi-parcel purchases require lenders that underwrite the story, not just the DTI ratio.
A general contractor whose tax returns showed $71,000 of net income while the business banked far more.
Qualifying income was roughly five times what the tax returns supported, which turned a conventional decline into an approval.
A solo consultant paid into a personal account, with no business entity and clean deposit history.
Personal-account programs count deposits at full value, so the qualifying income was materially higher than a business-account structure would have produced.
Examples are illustrative composites of typical files, not offers of credit or guarantees of terms.
Napa, St. Helena, Yountville, Calistoga, American Canyon
Full Napa County market pageYes. Bank Statement Loans are available throughout Napa County. Self-employed loans qualified on deposits, not tax returns. Mark compares pricing across 80+ wholesale lenders and picks the one whose guidelines fit Napa County property types and your file.
$1,017,750 (2026 conforming). Above that amount the file is priced as a jumbo or portfolio loan, which changes reserve and documentation requirements.
Most purchases close in 21 to 30 days, and rush files have closed faster when the appraisal and insurance are ordered on day one. Local considerations here: Agricultural acreage carve-outs, Well and septic on rural parcels, Wildfire insurance.
For business accounts, we add total qualifying deposits and multiply by an expense factor (usually 50%, sometimes 25-75% based on CPA letter). Divide by 12 or 24 for monthly qualifying income.
No. Underwriters strip internal transfers, loan proceeds, and other non-business deposits before calculating income.
Mark Dankman, NMLS #251068, 925.934.6600, mail@resourcehomeloan.com