Bank Statement Loans

The perfect solution for self-employed business owners who write off their expenses.

Program Overview

Traditional mortgages rely heavily on tax returns to verify income. For many self-employed individuals, tax returns often show a lower net income due to legitimate business write-offs, making it difficult to qualify for the loan they deserve.

Bank Statement Loans solve this problem by analyzing your actual cash flow. Instead of tax returns, we look at 12 to 24 months of your business or personal bank statements to calculate your qualifying income.

Key Benefits

No Tax Returns

Keep your tax returns private. We qualify you based on your deposits.

Higher Purchasing Power

Qualify for a loan amount that reflects your true cash flow, not your taxable income.

High Loan Limits

Jumbo loan amounts are available, often up to $3 million or more.

Business or Personal

We can use either business bank statements or personal bank statements to qualify.

Standard Requirements

  • Self-Employment: Must be self-employed for at least 2 years (sometimes less with history).
  • Credit Score: Typically requires a score of 660 or higher, though options exist for lower scores.
  • Down Payment: Usually requires 10-20% down, depending on credit score.

Documents Needed to Apply

  • 12 or 24 months of bank statements (all pages)
  • Business license or CPA letter verifying self-employment
  • Copy of driver's license
  • Social Security number
  • Profit & Loss statement (sometimes required)

Qualify With Your Real Income

Stop letting tax write-offs hold you back from your dream home.

Get a Bank Statement Loan Quote