Bank Statement Converter for a Flight Attendant Home Loan

Flight attendants receive base monthly pay plus per diem for every hour away from base — creating a variable total deposit that swings with schedule and trip volume. Converting bank statements to Excel shows a lender 12–24 months of actual deposits rather than a single pay stub that may underrepresent your total income.

Key Benefits

• Capture monthly base pay plus variable per diem and incentive trip deposits
• Show 24-month deposit history so a lender can average seasonal income variation
• Separate per diem from taxable wages for lenders with strict qualifying income rules
• Document furlough period gaps clearly so lenders understand any income breaks
• Export to Excel for mortgage pre-approval, refinance, or FHA loan documentation

How It Works

1. Step 1: Upload 12–24 months of your checking account PDF statements
2. Step 2: The tool extracts all transactions automatically
3. Step 3: Download Excel and sum deposits by month to show the income range across the period
4. Step 4: Provide to your loan officer alongside your airline employment verification letter

Frequently Asked Questions

My income varies a lot depending on how many trips I pick up. Will underwriters penalize me?

Lenders average over 24 months, so months you picked up extra trips balance months you flew minimum hours. The bank statement shows all deposits; the 24-month average is your qualifying income.

I was furloughed during COVID and had a gap in income. How do I handle that?

Include all 24 months of statements and provide a brief letter explaining the furlough period and your current employment status. The gap is industry-wide and widely understood. Lenders focus on current income stability after recall.

Convert a Statement Free