Traditional mortgage underwriting relies on tax returns — which often understate what self-employed borrowers and business owners actually earn, thanks to legitimate deductions that lower taxable income. Bank statement loans solve this by qualifying you based on actual deposits instead.
Why self-employed borrowers choose this program
- Qualify using 12–24 months of personal or business bank statements
- No tax returns required
- Available for purchase, refinance, and cash-out refinance
- Works for self-employed borrowers, 1099 contractors, and small business owners
How income is calculated
Lenders typically apply an expense factor to your average monthly deposits to estimate qualifying income — the exact method varies by lender, which is part of why shopping this program across multiple lenders matters more than most.
We offer competitive rates on bank statement financing.
Talk through your situation — no tax returns required to get started. →
