Self-Employed Loans
Your bank statements are your income proof — not your tax returns.
Bank statement loans qualify you on real cash flow, not your net income after write-offs and deductions.
- 12 or 24-month bank statement programs
- No tax returns required
Who This Fits
If any of this sounds like you, this program is likely a fit.
- 1099 contractors and freelancers
- Small business owners and LLC/S-corp owners
- Gig workers with variable monthly income
- Anyone whose tax returns understate real income
Typically requires 10–20% down and 12–24 months of consistent bank deposits.
01
Bank statement qualifying
We average your deposits over 12 or 24 months to calculate qualifying income — no tax returns needed.
02
P&L-only options available
Some programs qualify off a CPA-prepared profit & loss statement alone, no bank statements required.
03
Works for purchase or refinance
Buy a new home or refinance your current one — the same bank statement approach applies either way.
Step 1 of 3
How are you paid?
This tells us which documentation path fits best.