Self-Employed? You Can Still Qualify for a Mortgage

Show income with your bank deposits — not your 1040. Designed for business owners, sole proprietors, and 1099 contractors whose write-offs make qualifying income look lower than it really is.

12–24 months of deposits replace tax returns entirely
LLCs, S-Corps, sole props, and 1099s all welcome
Purchase a new home or cash-out refinance
Licensed in TX, CA, CO, FL, OR, WA, ID + more

"Most of our self-employed borrowers were turned down by their bank first. That's exactly who this program was built for."
— 1st Nationwide Mortgage · NMLS #1281 · Since 2005

Talk to a Loan Specialist (833) 350-9185

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Why Self-Employed Borrowers Get Turned Down

And why that doesn't have to be the end of the story.

Great tax strategy, bad loan app

Write-offs save you money at tax time but make your income look too low to qualify conventionally.

Banks only look at 1040s

Traditional lenders use net taxable income. Your actual cash flow doesn't factor in.

We use your deposits instead

12–24 months of bank statements show what you actually earn. That's what we qualify you on.

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