Your Tax Write-Offs Shouldn't Cost You the Loan
Qualify using 12-24 months of bank deposits — not your 1040.
Qualify using 12-24 months of bank deposits — not your 1040.
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If your tax returns don’t reflect your real income, traditional mortgages may not work. Bank statement loans qualify you using actual cash flow, not write-offs.
A bank statement loan uses 12–24 months of your personal or business bank statements to verify income instead of tax returns, W-2s, or pay stubs. Deposits are analyzed to calculate your qualifying income.
These loans are designed for self-employed borrowers, business owners, 1099 contractors, and anyone whose tax returns understate their true income due to business write-offs and deductions.
A quick call helps confirm eligibility.
Skip the tax return headache. Income is verified through bank deposits, giving self-employed borrowers a fair shake.
Business owners, freelancers, gig workers, and 1099 contractors can qualify using actual cash flow instead of adjusted gross income.
Available for home purchases, rate-and-term refinances, and cash-out refinances on primary residences and investment properties.
Non-QM program with flexible credit and DTI requirements. Down payments starting at 10% for qualified borrowers.
Most programs require either 12 or 24 months of bank statements. The 24-month option often yields a higher qualifying income since it averages over a longer period.
Either. You can use personal bank statements, business bank statements, or a combination. Business statements typically use a percentage of deposits (usually 50%) as qualifying income.
Most bank statement programs require a minimum 620 credit score, though requirements vary by lender and down payment amount.
Yes. Bank statement loans are available for primary residences, second homes, and investment properties, though terms and down payment requirements vary.
12–24 months of bank statements. No W-2s. No pay stubs.
Call 833-350-9185
NMLS# 1281