Traditionally, lenders have relied on metrics such as credit scores and pay stubs to evaluate borrowers’ creditworthiness. However, in an age when jobs increasingly do not meet the 9-5 norm, this often cannot provide an accurate view of a prospective buyer's ability to qualify for a mortgage. Today, many lenders are looking for new ways to evaluate these non-traditional and self-employed borrowers and one of those options is through bank statements and cash flow analysis. When a mortgage is granted based on these other markers of creditworthiness, it is often referred to as a bank statement mortgage.