LOAN PROGRAM
Self-Employed Bank Statement Loans
Built for entrepreneurs, 1099 contractors, and business owners whose tax returns don’t tell the full story.
Tax-optimized self-employed borrowers often look weaker on paper than they actually are. Bank statement loans qualify you on 12 or 24 months of business or personal deposits no tax returns, no K-1s, no schedule C.
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12 or 24 Months
Choose 12 months for stronger pricing or 24 months for higher loan amounts.
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Loan Amounts to $5M+
Jumbo bank-statement programs available for high-income borrowers.
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Up to 90% LTV
As little as 10% down for qualified self-employed borrowers.
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Personal or Business Deposits
Use whichever account best reflects your true cash flow.
How Income Is Calculated
Lender averages your monthly deposits over the chosen period and applies an expense factor (typically 50% for service businesses, lower for high-margin operations). The result is your qualifying income.
Credit & Reserves
Most bank-statement lenders look for 660+ credit and 6 months of reserves. Stronger files unlock better pricing and higher LTVs.
What You’ll Need
12 or 24 months of bank statements, business license or CPA letter (2+ years), ID, and the purchase contract or current mortgage statement.
BEST FOR
- 1099 contractors and freelancers
- Business owners with 2+ years self-employed
- Borrowers with strong deposits but heavy write-offs
- Real estate professionals and consultants
Other Programs
LET’S TALK
Ready to start your mortgage journey?
One conversation. Real numbers. Honest advice directly from Dana.
