Let your deposits tell the story—not last year’s tax return.
Bank statement loans are built for entrepreneurs, freelancers, and self-employed borrowers. We can use 12–24 months of business or personal deposits when tax returns do not show the real picture.
Bank Statement Loan
If you are self-employed, your tax return may look weaker than the cash that actually hits your account. Write-offs are good for taxes. They are not always good for a traditional mortgage.
A bank-statement program looks at deposits over 12 or 24 months instead of relying only on W-2s. You do not have to own 100% of the business in every case. 1099 contractors, creatives, and freelancers are often a fit.
This is still a real underwrite. It is just a different income calculation. I will tell you which statement months to pull and whether this path is actually available for your file.
If a W-2 loan does not fit, this is often the next honest conversation. Email me and we will look at whether bank statements can open the door.
What to know
Program details depend on the property, credit, and file. I will say so if another option is a better fit.
- Your deposits can qualify you—even when the tax return looks small.
- 12 or 24 months of statements instead of W-2s.
- Built for business owners, 1099s, and freelancers.
- One review. I will tell you if this door is open.