Bank Statement Loans

Self-employed? Business owner? Qualify for a mortgage using your bank statements instead of tax returns. We understand your income is different.

Business owner working

Why Choose a Bank Statement Loan?

Designed for self-employed borrowers whose tax returns don't reflect their true income.

No Tax Returns Required

Use 12-24 months of bank statements instead of tax returns to verify income.

True Income Calculation

We calculate income from your deposits, not your taxable income after write-offs.

Self-Employed Friendly

Perfect for entrepreneurs, freelancers, consultants, and business owners.

Personal or Business Statements

Use personal bank statements, business statements, or both.

Multiple Property Types

Finance primary residences, second homes, and investment properties.

Competitive Rates

Rates comparable to traditional loans for qualified borrowers.

Bank Statement Loan Requirements

Qualify based on your bank deposits:

Bank Statements 12-24 months
Credit Score 660+ (680+ for best rates)
Down Payment 10-20%
Self-Employment 2+ years in business

Self-Employed?

Don't let tax write-offs prevent you from getting the mortgage you deserve. We understand your real income.

Get Pre-Approved

No tax returns needed.

Ready to Get Started?

Our bank statement loan specialists understand self-employed borrowers.