Bank Statement Loans

Bank statement loans are a type of Non-QM (Non-Qualified Mortgage) loan designed for self-employed individuals, freelancers, business owners, or independent contractors who may not have traditional income documentation like W-2s or tax returns. Instead of using tax documents, lenders verify income based on personal or business bank statements—usually from the past 12 to 24 months.

This makes it easier for qualified borrowers with strong cash flow but complex finances to secure a home loan.

Who Are Bank Statement Loans For?

Self-employed professionals and entrepreneurs
Freelancers and gig workers
Business owners with significant write-offs
Independent contractors or 1099 earners

Key Benefits:

No tax returns or W-2s required
Use 12–24 months of personal or business bank statements to verify income
Competitive interest rates and loan terms
Purchase, refinance, and cash-out options available
Ideal for those with strong income but unconventional documentation

Bank statement loans offer the flexibility you need when traditional lending doesn’t reflect your true earning power. If you're self-employed and looking to buy or refinance a home, I can help you navigate this process with confidence and ease.

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