Bank-Statement

Bank-statement loans, income, your way

For self-employed borrowers whose tax returns don’t tell the whole income story, qualify on bank deposits instead. Built for business owners, freelancers, and entrepreneurs the conventional box leaves out.

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Program snapshot

Qualifies onBank deposits

Income docsStatements, not tax returns

Best forSelf-employed borrowers

Specifics depend on your profile and current guidelines, we’ll walk through the numbers together.

Is this you?

Where it fits, and where to look twice

A strong fit when…

You’re self-employed and write off enough that tax returns understate your real income.
Your business deposits show a healthy, steady cash flow.
Conventional underwriting keeps shrinking your qualifying income.

Worth weighing…

Pricing is usually a bit higher than fully-documented conventional loans.
Lenders apply an expense factor to deposits, so not every dollar counts as income.
Requirements vary widely by lender, the right match changes your approval and rate.

How it works

The shape of the loan

Deposits over tax returns

Instead of net income from returns, lenders average your business bank deposits over a period to estimate qualifying income.

The expense factor

A percentage is subtracted to account for business costs, set by the lender or supported by a CPA letter. We’ll target the most favorable, accurate factor.

A real option, not a workaround

These are legitimate non-QM loans for credit-worthy self-employed borrowers, not a loophole. We document them carefully.

What you’ll bring

The paperwork, demystified

Recent pay stubs

W-2s or 1099s

Two months of bank statements

Tax returns (if self-employed)

Photo ID

Details on any other debts

A starting list, not a final one, every file is a little different, and we’ll tell you exactly what yours needs.

Common questions

Answered straight

How many months of statements?+

Often 12–24 months of personal or business statements. We’ll tell you exactly what your lender needs.

What expense factor will apply?+

It varies by lender and can sometimes be supported by a CPA letter, which lifts your qualifying income. We’ll optimize it.

Are the rates much higher?+

Usually a bit higher than conventional, but the right lender keeps the gap small. We shop it for you.

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This page is informational and not a commitment to lend or a guarantee of any rate or term. All loans are subject to credit approval and program guidelines; not all applicants will qualify.

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Self-employed? Let’s qualify you fairly.

One conversation tells us whether this is your best move, or whether something else fits better. No pressure either way.

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See if this fits

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