Get a Mortgage Without Tax Returns

No W-2s. No 1040s. No pay stubs. Qualify using 12–24 months of bank statements instead. Built for 1099 contractors, gig workers, and business owners with strong deposits but low taxable income.

Bank statements replace tax returns, W-2s, and pay stubs
1099, freelance, gig, and variable income accepted
Primary home, second home, or investment property
Licensed in TX, CA, CO, FL, OR, WA, ID + more

"If your bank account shows the income, we have a way to get you qualified — even if your tax returns don't."
— 1st Nationwide Mortgage · NMLS #1281 · Since 2005

Talk to a Loan Specialist (833) 350-9185

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Purchase or Refinance?

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Why Banks Say No — And What We Do Differently

Your income is real. We just need to document it differently.

Your taxable income is low

Deductions reduce what shows on your tax return — but your actual deposits tell a different story.

Traditional lenders decline

Banks require W-2s or 1040s. No workaround exists with conventional lenders.

We qualify you on deposits

12–24 months of bank statements is all we need. No tax returns required at any point.

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