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Self-employed mortgageYour deposits qualify.
Not your tax returns.
Write-offs are smart business — until they kill your mortgage application. Bank statement loans use your actual cash flow to qualify. No W-2. No Schedule C. No problem.
Your bank account tells the real story.
Traditional lenders qualify you on taxable income — which for self-employed borrowers often looks terrible after deductions. A profitable business owner running $30K/month through their account might show $40,000 in taxable income after write-offs. That's not the real picture.
Bank statement loans solve that. Instead of your tax returns, we look at 12–24 months of deposits. That number — reduced by a standard expense ratio — becomes your qualifying income. Simple, honest, and fair.
What could you qualify for?
Enter your gross revenue and see how much income we may be able to use — without touching your tax returns.
Estimate only. Actual qualifying income depends on lender, statement type, and program. Not a commitment to lend.
What self-employed borrowers ask us most.
What is a bank statement loan?
A bank statement loan is a type of non-QM mortgage that qualifies self-employed borrowers based on bank deposits rather than tax returns or W-2s. Lenders review 12–24 months of personal or business bank statements to calculate your usable monthly income.
How is income calculated on a bank statement loan?
For personal bank statements, lenders typically use 80–100% of total deposits as qualifying income. For business bank statements, an expense ratio (typically 50%) is applied to gross deposits to arrive at net income. We'll walk you through exactly how your deposits translate to qualifying income.
Who qualifies for a bank statement loan?
Bank statement loans are designed for self-employed borrowers, freelancers, 1099 contractors, business owners, and anyone whose tax returns don't reflect their true earning power due to write-offs and deductions.
Do bank statement loans require tax returns?
No. Tax returns are not required for bank statement loans. This is the core advantage — your deposits speak for themselves, regardless of what your Schedule C or K-1 shows after deductions.
What credit score do I need for a bank statement loan?
Most bank statement programs in our network start at a 620 credit score. Borrowers with 680+ typically qualify for better pricing and higher LTVs. We'll run your scenario across multiple lenders to find the best fit.
Can I use a bank statement loan to buy an investment property?
Yes. Bank statement loans are available for primary residences, second homes, and investment properties. For investment properties specifically, a DSCR loan may also be worth comparing — it qualifies on rental income rather than personal deposits.
How many months of bank statements do I need?
Most programs require 12 or 24 months of consecutive statements. We'll determine the right look-back period based on your income consistency and which lenders offer the best terms for your profile.
Let your deposits do the talking.
Start your application online — or call us to run your scenario before you commit to anything.
Not a commitment to lend. All loans subject to credit approval. NMLS #2381991.