Home/Loan Programs/Bank Statement Loans
Self-Employed · Non-QM

Qualify on Bank Deposits,
Not Tax Returns

Bank statement loan programs for self-employed borrowers, business owners, freelancers, and 1099 earners whose tax returns don't reflect their full income picture.

Review My Income → Book a Scenario Review
No W-2 Required 12 or 24 Month Programs Business or Personal Deposits Non-QM Wholesale

When Your Tax Returns Don't Tell the Full Story

Many self-employed borrowers, business owners, and independent contractors earn strong incomes but show lower taxable income on their returns due to legitimate deductions. Traditional mortgage programs use tax returns as the primary income source — which can make it difficult to qualify even when cash flow is healthy.

Bank statement loan programs use actual deposits — either personal or business — as the income basis. This creates a more accurate picture of what a self-employed borrower actually earns and brings home.

  • 12 or 24 months of bank statements used for income
  • Personal or business deposits accepted depending on program
  • No W-2s or tax returns required in many programs
  • Primary residence, second home, and investment property scenarios
  • Purchase, refinance, and cash-out options available
  • Subject to credit, assets, property type, and lender guidelines

Common Questions

Many programs allow business bank statements. The lender typically applies an expense factor to estimate net income from business deposits. Requirements vary by lender and program structure.
Both 12 and 24 month programs exist. 24 months typically provides more income averaging and may be required by certain lenders. 12 month programs may be available depending on your credit, down payment, and other factors.
Requirements vary by lender and program. Generally, stronger credit gives you access to more programs and better terms. Some Non-QM lenders work with lower credit scores depending on compensating factors like down payment and reserves.
Bank Statement Overview
Program details vary by lender and scenario
Income Documentation
Bank Statements
Statement Period
12 or 24 Months
Best For
Self-Employed, 1099, Business Owners
Property Types
Primary, Second Home, Investment
Review My Income → Or book a scenario review →

Not a commitment to lend. Subject to credit, income, property, and program guidelines.

Self-employed and ready to explore your options?

Bank statement programs vary widely by lender. A scenario review is the fastest way to understand what may work for your income structure and loan goal.

Review My Income → Start Application