Qualify on Bank Deposits,
Not Tax Returns

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