Self-Employed Mortgages
Tax write-offs shouldn’t stop you from buying a home. Our bank statement loan programs use your actual deposits—not your tax returns—to qualify you.
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 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.
Purchase or Refinance
Buy your primary home, second home, or refinance your current mortgage.
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.
Multiple Property Types
Primary homes, second homes, and investment properties all eligible.
Who Is This For?
Bank statement loans are perfect for self-employed professionals.
Small Business Owners
Freelancers & Consultants
Contractors & Tradespeople
Restaurant Owners
Rideshare & Gig Workers
E-commerce Sellers
Medical Professionals
Attorneys & Accountants
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.
Business Documentation
Business license or CPA letter confirming self-employment (simple verification).
Cash Reserves
3-6 months of mortgage payments in reserves after closing.
Get Your Bank Statement Loan Quote
See how much you qualify for based on your deposits.
Your Tax Deductions Shouldn’t Hurt You
Get qualified based on your real income. Bank statement loans make it possible.