Get a no-cost quote on bank statement loans designed for self-employed borrowers, business owners, freelancers, and independent contractors.
A bank statement loan is a mortgage solution that allows eligible borrowers to qualify using personal or business bank statements instead of traditional income documents like W-2s, pay stubs, or tax returns.
These loans are especially popular among self-employed professionals, entrepreneurs, gig workers, consultants, and small business owners whose taxable income may not accurately reflect their true earning power due to deductions, write-offs, or variable income.
Rather than focusing solely on tax returns, lenders review deposits over a set period - commonly 12 to 24 months - to evaluate consistent cash flow and determine qualifying income.
Bank statement loans can be used for:
This financing option provides flexibility for borrowers with strong income but non-traditional documentation.
Our bank statement loan specialists help self-employed borrowers secure financing that better reflects how they actually earn.
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Borrowers may commonly need:
For business bank statements, lenders may apply an expense factor to estimate usable income unless a profit and loss statement or CPA documentation supports lower expenses. This loan is often ideal for borrowers whose tax returns understate income due to business deductions.
Bank Statement Loan Qualifier
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A bank statement loan is a non-QM mortgage that allows eligible borrowers - often self-employed - to qualify using bank deposits instead of tax returns or W-2s.
These loans are commonly used by self-employed individuals, entrepreneurs, freelancers, commission-based professionals, and independent contractors.
In many cases, no. Bank statement programs are specifically designed to reduce reliance on tax returns, though other documentation may still be required.
Yes. Many lenders allow business bank statements, though income may be adjusted based on estimated business expenses.
Most lenders require 12 or 24 months of bank statements depending on the program.
Yes. Bank statement loans may be available for rate-and-term refinance or cash-out refinance depending on equity and lender requirements.
Important Disclosure
All loans are subject to credit approval, verification, and lender guidelines. Rates, fees, program terms, and conditions vary by borrower qualifications, occupancy, loan purpose, and state. Bank statement loans are typically non-QM mortgage products and may have different requirements than conventional loans. This is not a commitment to lend. Additional restrictions may apply.
Get a no-cost quote on bank statement loans and explore flexible financing without traditional income documentation.
