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We Specialize in Bank Statement Mortgages & Other Mortgage Products That Don’t Require Tax Returns – For Self Employed Borrowers

12/24 Month Bank Statement

Our 12/24 Month Bank Statement loan is a perfect Non-QM option for the self-employed. Even if complex tax deductions make their tax returns less than straightforward, this program can provide a clearer picture of their current income or revenue to help them qualify.

Bank Statement Mortgages | No Tax Returns Required

What is a Bank Statement Loan?

A Bank Statement Loan is specifically designed for self-employed individuals who may not have traditional income documentation, such as W-2s or tax returns. Instead of relying on these documents, lenders use your bank statements to verify your income. This type of loan is ideal for freelancers, business owners, and independent contractors who have a steady flow of deposits but lack conventional proof of income. Bank Statement Loans offer flexible income verification, making it easier for you to secure the mortgage you need. These loans often come with competitive rates and flexible terms, tailored to suit your unique needs.

Easy to qualify
Consolidate debt
No tax returns
Use business or personal bank statements
Bank Statement Program
Income Calculation 

Bank Statements can be securely uploaded at the end of the questionnaire. Qualifying income is calculated by total deposits minus any disallowed deposits divided by the number of months.

If you’re self-employed or a business owner, a bank statement loan can be the perfect solution for financing your dream home.We’ve designed our bank statement loan calculator to make it easy for you to estimate your borrowing potential using your bank statements rather than traditional income documentation. 

Try out our free bank statement mortgage calculator to see if this is the right loan to help you achieve your home buying goals. 

Talk to a mortgage expert now!