Alternative documentation option for eligible self-employed borrowers.
A bank statement loan may allow qualified self-employed borrowers to document income using business or personal bank statements instead of traditional tax-return income. This is generally a Non-QM type of mortgage and depends on lender program rules.
Good fit for self-employed borrowers with strong deposits but complex tax returns.
Review usually includes 12 or 24 months of bank statements, business history, credit, assets, and property details.
Rates, down payment, reserves, and documentation rules can differ from traditional loans.
This page is for education only. Final approval depends on completed application, credit review, income verification, property eligibility, underwriting, and program guidelines.
Complete the secure application so we can review your goals, income, credit, property, and loan needs.
Use the client portal to upload income, assets, ID, contract, insurance, or other required items.
We compare eligible programs and explain payment, down payment, mortgage insurance, and closing costs.
Your file moves through processing, underwriting, conditions, clear-to-close, and closing.
Start the secure application and we will review your options.
