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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 deposits and see how much income we may be able to use, without touching your tax returns.
We may be able to use $24,000/month as qualifying income with no tax returns required. Business statements apply an expense factor (often 50%) that varies by lender and industry.
See what you qualify for →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.
Michael Kerby
Founder & President · NMLS #1163561
A decade-plus of mortgage leadership, focused on communication and on-time closings.
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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.