Bank Statement Home Loans
Buy your primary residence using bank statements instead of tax returns. Perfect for self-employed borrowers who maximize write-offs but have strong cash flow.
Your Real Income, Not Your Tax Return
We work with 50+ wholesale lenders who specialize in self-employed borrowers. We use your bank deposits to calculate income—the way it should be. Close on your new home in as fast as 15 days.
Why Bank Statement Loans?
Designed for entrepreneurs who maximize tax deductions.
No Tax Returns
We use 12-24 months of bank statements instead of tax returns to verify your income.
True Income Qualification
Your deposits reflect your real earnings—not your taxable income after write-offs.
Buy Your Home
Purchase your primary residence or second home with flexible qualification.
Flexible Underwriting
We understand business income varies. Our lenders account for seasonal fluctuations.
Fast 15-Day Closings
Streamlined process without waiting for CPA letters or complex tax analysis.
Competitive Rates
Rates closer to conventional than you’d expect. We shop 50+ lenders for the best deal.
Who Is This For?
Bank statement loans are perfect for self-employed home buyers.
Small Business Owners
Freelancers & Consultants
Contractors & Tradespeople
Restaurant Owners
Rideshare & Gig Workers
E-commerce Sellers
Medical Professionals
Attorneys & Accountants
🏢 Looking for investment property financing? Check out our DSCR Investor Loans — qualify on rental income instead.
How Bank Statement Loans Work
Instead of tax returns, we analyze your business or personal bank statements to determine income:
- Provide 12 or 24 months of bank statements
- We calculate average monthly deposits
- Apply an expense factor (typically 50% for business accounts)
- Use the net figure as your qualifying income
- No need for CPA letters or P&L statements
Bank Statement Loan Requirements
Bank Statements
12 or 24 months of personal or business bank statements showing consistent deposits.
Credit Score
Minimum 620. Better rates and terms available at 680+.
Down Payment
10-20% down typical. Some programs available with less for strong profiles.
Self-Employment History
Minimum 2 years self-employed in the same business or industry.
Property Type
Primary residence or second home. 1-4 units eligible.
Cash Reserves
3-6 months of mortgage payments in reserves after closing.
Get Your Bank Statement Loan Quote
See how much home you can afford based on your deposits.
Your Tax Deductions Shouldn’t Hurt You
Get qualified based on your real income. Bank statement loans make homeownership possible.