Your Tax Write-Offs Shouldn't Cost You the Loan

Qualify using 12–24 months of bank deposits — not your 1040. Built for business owners, 1099 contractors, and self-employed borrowers whose income is real but tax returns don't show it.

No W-2s, 1040s, or pay stubs — just your bank statements
Purchase a home or refinance — both options available
Works for LLCs, S-Corps, sole props, and 1099 income
Licensed in TX, CA, CO, FL, OR, WA, ID + more

"We've helped hundreds of self-employed borrowers qualify for loans they were told they couldn't get. If your deposits show the income, we have a program for you."
— 1st Nationwide Mortgage · NMLS #1281 · Since 2005

Talk to a Loan Specialist (833) 350-9185

Trusted since 2005

Secure form • No spam

Step 1 of 2

See If You Qualify

30 seconds · No credit pull

Purchase or Refinance?

Property State

Estimated Credit Score

Why Self-Employed Borrowers Get Denied — And How We Fix It

Traditional banks use your taxable income. We use your actual deposits.

You write off expenses

Good tax strategy reduces your taxable income — banks see that as lower qualifying income.

Banks deny the loan

Traditional lenders use your 1040 net income. Your actual deposits don't count.

We use your deposits

12–24 months of bank statements replace tax returns entirely. Your cash flow qualifies you.

Jumbo Bank Statement Loans — Up to $3M

Higher loan amounts for successful business owners. Same bank-statement qualification — more borrowing power.

Up to $3,000,000

Jumbo bank statement programs available for well-qualified self-employed borrowers. Same 12–24 month deposit qualification — no tax returns required.

High-Balance Markets

Purpose-built for CA, TX, FL, and other high-home-price markets where conforming limits don't cut it. 680+ FICO, 15–20% down typical.

Investment + Primary

Jumbo bank statement works for primary residences, second homes, and investment properties. Business owners scaling up to larger homes or rental portfolios.

Talk to a Jumbo Specialist (833) 350-9185