Bank statement loans. Built for the self-employed
Your tax returns show your write-offs. Your bank statements show what you earn. Qualify on the deposits, with the loan picked from 130+ lenders.
What a bank statement loan is
Instead of tax returns, the lender looks at the deposits in your personal or business bank statements, usually 12 or 24 months, to work out your income.
It's made for business owners, freelancers and anyone whose tax returns don't tell the whole story.
Who it fits
- Business owners and the self-employed
- Real estate agents, contractors and other commission or project earners
- Borrowers with strong deposits and big write-offs
- Buyers and homeowners refinancing, including cash out
How it works with us
- Apply onceThe secure application takes your business, your deposits and the home you want.
- One soft pullWe check your credit once, without affecting your score, and shop the file with 130+ lenders.
- Choose the statementsPersonal or business, 12 or 24 months. We pick the option that shows your income best.
- CloseWe keep the file moving from approval to keys.
What to have on hand
You don't need all of it to start. The application tells you what's missing.
- Photo ID
- 12 or 24 months of bank statements, all pages
- Proof you've been self-employed, like a business license or CPA letter
- Purchase contract or current mortgage statement
Good to know
Do I need tax returns for a bank statement loan?
No. The lender works out your income from your bank statement deposits instead of your tax returns.
Personal or business statements?
Either can work. Business statements usually come with an expense factor, while personal statements count deposits more directly. We compare both.
How long do I need to be self-employed?
Many lenders look for about two years of self-employment, and some accept less with prior experience in the same line of work.
What if I'm a 1099 contractor?
Ask us about 1099-only loans, which qualify on your 1099 income. We shop that option too.