Bank Statement Mortgage Loans
in Virginia, Maryland & Washington DC
⭐ 5-Star Client Reviews ✔ Licensed Mortgage Professionals ⚡ Fast Closings
Qualify using 12–24 months of bank statements instead of tax returns or W-2s
Self-employed borrowers, business owners, and 1099 earners can qualify for a mortgage using personal or business bank statements
instead of tax returns. Our Bank Statement Loan Program is designed for real income — not tax write-offs.
No tax returns required. Secure & confidential.
Flexible Mortgage Solutions for Self-Employed Borrowers
Bank statement mortgage loans in Virginia, Maryland, and Washington DC allow self-employed borrowers to qualify using 12–24 months of personal or business bank statements instead of traditional tax return documentation.
Many self-employed borrowers show strong cash flow but low taxable income due to business tax deductions.
Our Bank Statement Mortgage Program allows qualified borrowers to verify income using 12 to 24 months of personal or business bank statements. This approach provides a more accurate view of your true earning ability and helps you qualify for the home you deserve.
Whether you’re a business owner, independent contractor, freelancer, consultant, or gig worker, we offer mortgage solutions built around how you actually earn.
If you’re exploring other alternative income options, learn more about our Non-QM mortgage programs or P&L loan program.
Serving MD, VA & DC
Self-Employed Specialists
Secure & Confidential Pre-Approval
See If You Qualify for a Bank Statement Mortgage
No impact on your credit score. Fast review. Secure and confidential.
What Is a Bank Statement Mortgage?
A bank statement mortgage is a Non-QM loan that allows borrowers to qualify using 12–24 months of bank statements instead of W-2s or tax returns.
Lenders calculate income based on verified deposits, providing a realistic path to homeownership or refinancing for self-employed borrowers.
If you operate under an LLC, S-Corp, sole proprietorship, or earn 1099 income, this program is built specifically for you.
Who Is a Bank Statement Mortgage Designed For?
This program works best for:
✔ Self-employed borrowers
✔ 1099 contractors
✔ Business owners
✔ Gig-economy earners (rideshare, freelance, delivery)
✔ Real estate investors
✔ Borrowers with significant deposits but lower taxable income
If tax deductions reduce your reported income, traditional mortgage programs may underestimate your true qualifying income.
Key Features & Benefits
✔ No tax returns required
✔ Qualify using 12–24 months of bank statements
✔ Personal OR business statements accepted
✔ Loan amounts available up to jumbo limits
✔ Purchase, refinance & cash-out options
✔ Flexible debt-to-income calculations
✔ Interest-only options (when available)
✔ Available for primary, second homes & investment properties
How Income Is Calculated
Unlike traditional loans that rely on adjusted gross income, bank statement programs analyze deposits to determine earning power.
Typical income calculation methods include:
• Personal bank statements → Up to 100% of eligible deposits
• Business bank statements → 50–100% depending on expense factor
• CPA expense letters may increase qualifying income
• 12-month or 24-month averaging options
This provides a more accurate picture of a borrower’s true earning ability.
Documentation Requirements
Income Documentation
Choose one:
• 12 months of personal bank statements
• 12–24 months of business bank statements
Additional Documentation
• Valid government ID
• Business license or CPA letter (if required)
• Profit & Loss statement (if requested)
• Mortgage or rent history
• Asset statements for required reserves
Bank Statement Loan Options
• Purchase home loans
• Rate-and-term refinance
• Cash-out refinance
• Fixed-rate mortgages
• Adjustable-rate options
• Interest-only structures
• Loan amounts available up to jumbo limits
• Primary, second home & investment property financing
Bank Statement Mortgage vs Traditional Mortgage
| Traditional Loan | Bank Statement Loan |
|---|---|
| Requires tax returns | No tax returns required |
| Uses adjusted gross income | Uses bank deposit analysis |
| Often difficult for self-employed borrowers | Designed for self-employed |
| Strict DTI limits | Flexible underwriting |
| W-2 focused | Designed for self-employed and 1099 income |
Step-by-Step Process
1️⃣ Initial consultation
2️⃣ Submit 12–24 months of bank statements
3️⃣ Income analysis & pre-approval
4️⃣ Full loan application
5️⃣ Appraisal & underwriting
6️⃣ Final approval & closing
Our experienced team guides you through every step.
Why Choose ABC United Finance for Bank Statement Loans?
✔ Specialized Non-QM mortgage expertise
✔ Deep experience with self-employed borrowers
✔ Fast income analysis
✔ Competitive rates
✔ Flexible underwriting solutions
✔ Serving Maryland, Virginia & Washington DC
✔ Personalized, hands-on guidance
We understand entrepreneurial income — and how to structure it properly for mortgage approval.
Ready to Qualify Without Tax Returns?
Get My Bank Statement Loan Quote
No obligation. No impact on credit.
Frequently Asked Questions
Do I need tax returns?
No. Bank statements replace tax returns for income verification.
Can I use business bank statements?
Yes. Income is calculated based on eligible deposits.
How many months are required?
Most programs allow 12 months. Some borrowers may benefit from 24 months.
What credit score is required?
Minimum credit score depends on loan structure, but many programs start in
Can I use this for an investment property?
Yes. Many programs allow second homes and investment properties.
Are interest-only options available?
Yes, depending on program guidelines.
Can I get cash-out?
Yes. Cash-out refinance options are available.
What Our Self-Employed Clients Say
⭐⭐⭐⭐⭐ “As a self-employed business owner, proving income was always a challenge. ABC United Finance reviewed my 12-month bank statements and made everything simple. I was approved quickly and closed with a great rate.”
— Carlos M., Arlington, VA
⭐⭐⭐⭐⭐ “My income varies month to month, and traditional lenders didn’t understand it. ABC United Finance reviewed my 24-month bank statements and qualified me without tax returns. Smooth process from start to finish.”
— Liza J., Germantown, MD
Self-Employed? You May Qualify With Bank Statements.
Our bank statement mortgage program helps self-employed borrowers qualify using 12–24 months of bank statements instead of tax returns.