Bank Statement Program
Self-employed borrowers often write off so much income on their taxes that traditional loans don't work. Our bank statement program qualifies you on real deposits, not tax returns.
What is Bank Statement Program?
The tax code rewards self-employed people for aggressive deductions. The mortgage industry, unfortunately, penalizes them for it. Bank statement loans solve that mismatch.
Instead of looking at your tax returns, we analyze 12 or 24 months of bank deposits to calculate your actual qualifying income. That number is usually far higher than your tax return's adjusted gross income.
These are real loans from real lenders — not hard money. Rates are competitive, terms run up to 30 years, and the cash-out option lets entrepreneurs tap home equity to invest in their businesses.
Who qualifies?
This program is built for borrowers who match the criteria below. If you're not sure, send us a quick message and we'll confirm in minutes.
Talk To An Officer- Self-employed business owners (2+ years)
- 1099 contractors
- Freelancers, consultants, and gig workers
- Anyone whose tax return understates true income
Key benefits
No Tax Returns
We qualify on deposits to your business or personal bank accounts.
12 or 24 Months
Choose the look-back period that best reflects your income.
Competitive Rates
Rates 0.5–1.5% above prime conventional — far less than hard money.
Up to 90% LTV
Strong borrowers can finance up to 90% with no MI.
How it works
Document Deposits
Provide 12 or 24 months of statements; we calculate qualifying income.
Apply
Standard application with focus on credit and reserves.
Underwrite
Manual underwriting reviews business profitability.
Close
Typical 30–40 day timeline.
Frequently Asked
Get a personalized Bank Statement Program quote.
Tell us a little about your scenario. We'll come back to you with real numbers — within one business hour.
No commitment. No fees. No surprises.