Home Loans That Understand Your Business
Get approved based on your actual cash flow, not just what your tax returns show
The Self-Employed Mortgage Challenge
You know the frustration: You make great money, but your tax returns tell a different story.
The Traditional Mortgage Problem:
- • You write off legitimate business expenses to reduce taxes
- • Your adjusted gross income looks artificially low
- • Traditional lenders deny you or offer less than you qualify for
- • You're stuck between tax efficiency and mortgage qualification
Our Solution:
Bank Statement Loans qualify you based on your actual deposits, not your tax returns. We analyze your business cash flow to determine your true income.
Result: You get the loan amount you deserve without sacrificing tax benefits.
How Bank Statement Loans Work
Simple, straightforward qualification based on your business deposits
Provide 12-24 Months of Bank Statements
We review your business and/or personal bank statements showing deposits and withdrawals.
Calculate Average Monthly Deposits
We add up your total deposits and divide by the number of months to determine your average monthly income.
Apply Expense Factor
We apply a 25-50% expense factor (depending on your business type) to account for business costs, giving us your qualifying income.
Approve Your Loan
With your qualifying income established, we process your loan just like any other mortgage.
Bank Statement Loan Example
Even if your tax return shows $60,000 AGI, you qualify based on $120,000 income!
Benefits of Bank Statement Loans
No Tax Returns Required
Qualify without providing 1040s, Schedule Cs, or business tax returns. Bank statements are all we need.
Higher Loan Amounts
Qualify for more home based on your actual cash flow, not artificially reduced tax income.
Fast Approval
Streamlined underwriting process designed specifically for self-employed borrowers.
Bank Statement Loan Features
Loan Amounts Up to $3M
Finance primary residences, second homes, and investment properties up to $3 million.
Down Payment as Low as 10%
Primary residence: 10% down. Investment properties: 20-25% down.
Flexible Credit Requirements
Minimum credit score of 680 for most programs. Some programs accept 660+ with compensating factors.
Personal or Business Bank Statements
Use personal bank statements if business income flows through personal accounts, or business statements for separate accounts.
Purchase or Refinance
Use bank statement loans for home purchases, rate-and-term refinances, or cash-out refinances.
2-Year Business History
Most programs require 2 years of self-employment. Some allow 1 year with strong compensating factors.
Who Qualifies for Bank Statement Loans?
Business Owners
- Sole proprietors
- LLC owners
- S-Corp and C-Corp owners
- Partnership owners
Independent Contractors
- 1099 contractors
- Freelancers and consultants
- Gig economy workers
- Commission-based professionals
Service Professionals
- Real estate agents
- Insurance agents
- Financial advisors
- Attorneys and CPAs
Other Self-Employed
- Contractors and tradespeople
- Restaurant and retail owners
- E-commerce business owners
- Creative professionals
Ready to Get Approved Based on Your Real Income?
Stop letting tax write-offs hold you back from homeownership. Let's explore bank statement loan options for your situation.
NMLS #2033515 | Licensed in Washington and Idaho