Flexible Home Financing for Self‑Employed Borrowers
Self‑employed borrowers often have strong cash flow but tax returns that don’t reflect their true income. Our Bank Statement Mortgage Program offers a flexible alternative to traditional income documentation, allowing qualified borrowers to use personal or business bank statements to verify income instead of tax returns.
This program is ideal for entrepreneurs, independent contractors, gig‑economy workers, and business owners who need a loan solution that matches the way they earn.
Get pre‑approved today — our team specializes in self‑employed financing
Self‑employed borrowers with strong business financials may also qualify through our P&L Only Mortgage Program.
A Bank Statement Mortgage is a Non‑QM loan program that allows borrowers to qualify using 12 or 24 months of bank statements rather than W‑2s or tax returns.
Lenders analyze deposits to calculate income, giving self‑employed borrowers a fair and realistic path to homeownership or refinancing.
Key Features & Benefits
Who Is This Program For?
This program is designed for borrowers who are:
If tax write‑offs reduce your reported income, this program may be the perfect fit.
Choose one of the following:
Lender will analyze deposits to determine qualifying income.
Income is determined by analyzing monthly deposits. Typical calculations include:
This method provides a more accurate picture of a self‑employed borrower’s true earning power.
Traditional mortgages rely heavily on tax returns, which often don’t reflect the real income of self‑employed borrowers.
A Bank Statement Loan:
If you’re self‑employed and need a flexible mortgage solution, our Bank Statement Program may be the perfect fit. Contact us today to get started
No. Bank statements replace tax returns for income verification.
Yes. Business statements are accepted, and income is calculated based on eligible deposits.
Most borrowers qualify with 12 months, but some may choose 24 months for stronger income averages.
Minimum credit score varies by lender, but many programs allow scores starting in the mid‑600s.
Yes. Many lenders allow second homes and investment properties.
Some lenders offer interest‑only options depending on the loan structure.
Yes. Cash‑out refinance options are available.
⭐⭐⭐⭐⭐“As a self‑employed business owner, proving my income has always been a challenge with traditional lenders. ABC United Finance Corp reviewed my 12‑month bank statements and made the process incredibly smooth. They understood my business, explained everything clearly, and got me approved quickly with a great rate. I finally bought my home thanks to their expertise with self‑employed borrowers.” — Carlos M., Arlington, VA
Running my own business means my income looks different every month, and traditional lenders never seemed to understand that. ABC United Finance Corp reviewed my 24‑month bank statements and qualified me quickly without asking for tax returns. The entire process was smooth, respectful, and tailored to how self‑employed people actually earn. I’m thrilled with my new home and grateful for their expertise.” — Jasmine T., Bethesda, MD
