Self-Employed? Your Bank Statements Can Be Your Income Proof
No tax returns needed. Qualify with 12-24 months of bank deposits.
Check If You QualifyHow It Works
A simpler way to prove your income
Instead of W-2s or tax returns, we use your bank deposits over 12 or 24 months to calculate your qualifying income. You can use business or personal accounts.
The standard expense ratio is 50% of deposits, but with an accountant letter, that drops to as low as 10%.
You'll still need a credit check and property appraisal — this just changes how we verify your income.
Program Highlights
Key features of our Bank Statement Loan
Who Is This For?
Bank statement loans are built for people like you
Business owners who reinvest profits and show lower taxable income
Freelancers and gig workers with variable monthly income
Contractors who earn well but can’t show it on a W-2
Any self-employed professional who doesn’t fit the traditional mold
Bank Statement vs. Traditional
See how this program compares
| Traditional Mortgage | Bank Statement Loan | |
|---|---|---|
| Income proof | W-2, paystubs, tax returns | 12-24 months bank deposits |
| Best for | Salaried employees | Self-employed, business owners |
| Min down payment | 3-5% | 10% |
| Max loan amount | Conforming limits | Up to $4M |
| Self-employed friendly? | Often difficult | Built for it |
Let's see if your bank statements qualify you.
No obligation, no pressure.