BANK STATEMENT LOANS
Qualify Using Your Deposits.
Use business or personal bank statements to document income—no tax returns required.
Program Highlights
- Use deposits to qualify—no tax returns
- Designed for business owners and self‑employed borrowers
Next Steps
- Provide 12–24 months of bank statements
- We calculate qualifying income and present your best options
Bank Statement Mortgage Guide: Qualify Using Deposits
For business owners and independent earners, tax returns often under‑report true cash flow. Bank statement programs use 12–24 months of deposits to model income—no personal tax returns required. We’ll align documentation (business vs. personal statements, expense factor, CPA letter) to your situation.
We also compare against P&L and 1099 options to ensure you lock the cheapest path with the cleanest underwriting.
Documentation Options
- 12 or 24 months of consecutive bank statements
- Business statements with expense factor (standard or CPA‑prepared)
- Alternative: personal statements with business deposits identified