Your tax return doesn't tell the whole story. Your bank statements do.

A lot of self-employed borrowers earn well and save well, but their tax returns don't show it because they run their businesses the right way. The Bank Statement Loan Program qualifies you based on your business deposits, with loan amounts up to $3 million and no private mortgage insurance typically required.

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What Is a Bank Statement Loan?

A Bank Statement Loan is a mortgage designed for self-employed borrowers whose income may not be fully reflected on traditional tax returns. Instead of relying solely on W-2s or tax returns, lenders can use 12 to 24 months of bank statements to evaluate income and determine qualification. This can provide a more flexible path to homeownership for business owners, independent contractors, and other borrowers with non-traditional income.

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What Bank Statement Loan Helps With

Built for the way you actually earn.

This program doesn't ask your income to look like something it isn't. It's designed for self-employed workers, independent contractors, gig workers, consultants, freelancers, and small business owners whose income may not fit neatly into traditional lending guidelines. It can also work for doctors, lawyers, and full-time real estate investors who qualify based on property revenue alone. To qualify, you'll need at least two years of self-employment history.