Bank Statement Loans
Mortgage program that lets self-employed borrowers qualify using personal or business bank statements instead of tax returns.
Bank statement loans are designed for self-employed borrowers whose tax returns don't tell the full story of their income. Instead of relying on two years of tax returns, the lender averages deposits across 12 to 24 months of personal or business bank statements to determine qualifying income.
This matters most for entrepreneurs, contractors, freelancers, gig workers, and small business owners who legitimately write off heavy business expenses. The deductions that lower your taxable income also make you look smaller on paper to a conventional underwriter, even if your actual cash flow easily supports a mortgage.
Bank statement loans are a flagship non-QM program. We work with multiple bank statement lenders and can match the right program to your specific deposit pattern, business type, and financial profile.
Specific terms vary by lender, program, and borrower profile. All loans are subject to credit, income, property, and underwriting approval. Not a commitment to lend.
Have a different question? See all mortgage FAQs or get in touch .
Bank Statement Loans are a regular fit in these Central Texas markets.
Mortgage program that uses verification of employment in place of tax returns, pay stubs, and W-2s.
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Multiple paths to mortgage qualification for business owners, contractors, freelancers, and other self-employed borrowers.
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Non-qualified mortgages designed for borrowers whose situations don't fit the standard conventional or government underwriting box.
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Dive into the possibilities of homeownership — start with a no-obligation, free mortgage quote and see where your future can take you!
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