Qualify for a mortgage using your business bank statements instead of tax returns. Perfect for entrepreneurs, freelancers, and business owners who write off expenses and show lower taxable income.
Designed specifically for self-employed borrowers who need flexible income verification to qualify for the mortgage they deserve.
Use 12-24 months of personal or business bank statements to demonstrate income instead of tax returns. Perfect for borrowers who write off business expenses.
Qualify based on deposits and cash flow rather than taxable income. Many self-employed borrowers qualify for 2-3x more loan amount compared to traditional financing.
Streamlined underwriting with fewer documents required. Get pre-approved in 24-48 hours and close in as little as 21-30 days with our experienced team.
Accept personal bank statements, business bank statements, or a combination. We work with self-employed professionals across all industries and business structures.
Use bank statement loans for primary residence, second home, or investment property purchases. Also available for rate-and-term or cash-out refinances.
Access competitive interest rates for qualified borrowers with strong credit and substantial deposits. Loan amounts from $150K to $3M with flexible down payment options.
See how bank statement loans provide better options for self-employed borrowers compared to conventional financing.
| Feature | Traditional Loan | Bank Statement Loan |
|---|---|---|
| Tax Returns Required | ||
| Bank Statements Required | ||
| Qualify with Write-Offs | ||
| Higher Qualifying Income | ||
| Self-Employed Friendly | ||
| All Property Types | ||
| Competitive Rates Available | ||
| Fast Approval Process |
Note: Bank statement loans offer more flexible qualification for self-employed borrowers who may not qualify using traditional income documentation methods.
Our streamlined bank statement loan process is designed to get you approved quickly with minimal hassle.
Provide 12-24 months of personal or business bank statements. We analyze your deposits to calculate qualifying income using industry-standard methods.
We review your average monthly deposits and apply appropriate expense ratios (typically 25-50% depending on business type) to determine your qualifying income.
Receive your pre-approval letter with specific loan amount based on your bank statement income. Credit check and property appraisal will be ordered.
Submit additional supporting documents including business license, CPA letter (if applicable), and property documentation. Our underwriters review for final approval.
Sign final documents and receive your keys. Enjoy your new home financed with flexible documentation designed for self-employed professionals.
Real results from entrepreneurs who secured their mortgages using bank statement loans.
"As a self-employed entrepreneur, getting approved for a traditional mortgage was nearly impossible because of my business write-offs. The bank statement loan program changed everything. I qualified for 3x more than I expected, and the process was incredibly smooth. Closed in 28 days!"
"I was skeptical at first, but this team made it so easy. They explained exactly how my bank statements would be analyzed and gave me a realistic expectation upfront. No surprises, no delays. Got my dream home without needing tax returns or mountains of paperwork. Highly recommend!"
Everything you need to know about bank statement loans for self-employed borrowers.
Stop letting business write-offs prevent you from getting the mortgage you deserve. Our bank statement loan program is designed specifically for self-employed professionals like you.
Qualify using bank statements only
Pre-approved in 24-48 hours
Qualify for 2-3x more loan amount
