Loading...
Loading...
Your tax returns do not tell the whole story. Qualify for a mortgage using 12-24 months of bank statements instead. Available for self-employed borrowers in Texas and Arkansas.
A bank statement loan is a Non-QM (Non-Qualified Mortgage) program designed specifically for self-employed borrowers. Instead of using W-2s and tax returns to verify income, lenders review 12 to 24 months of your bank statements to calculate your qualifying income. This is ideal for business owners, freelancers, gig workers, and independent contractors in Texas and Arkansas who have strong cash flow but write off significant expenses on their taxes.
Qualify using 12 or 24 months of personal or business bank statements instead of W-2s and tax returns.
Perfect for business owners, freelancers, gig workers, and 1099 contractors whose tax returns understate their true income.
Income is calculated from your bank statement deposits — either gross deposits or an expense factor is applied to determine qualifying income.
Bank statement loans offer higher loan amounts than traditional programs, making them ideal for higher-priced properties in Texas and Arkansas.
Finance primary residences, second homes, and investment properties — including short-term rental properties.
Collect 12 or 24 months of consecutive bank statements. Rosalyn will advise whether personal or business statements are more favorable.
We analyze your deposits to calculate qualifying income and determine your buying power. No tax returns needed.
Shop for your home or investment property and go through the streamlined underwriting process.
Complete underwriting and close on your new property with a loan tailored to your self-employed income.
Fill out the form and Rosalyn will review your bank statements and show you what you qualify for — no tax returns needed. Available in English and Spanish.