Self-Employed Loans

A Self-Employed or Bank Statement loan is a non-QM mortgage that allows business owners and independent contractors to qualify for a home loan using their bank statements rather than traditional tax returns or W-2s.

Because self-employed individuals often take advantage of legal tax deductions, their tax returns may show a lower net income than what they actually earn. Bank statement loans look at the cash flowing into personal or business accounts over 12 to 24 months to determine true purchasing power.

Best For Which Buyers?

• Business Owners: Entrepreneurs whose tax returns don't reflect their true cash flow.
• Freelancers & Gig Workers: Independent contractors with variable income.
• Real Estate Agents: Commission-based earners with significant business write-offs.

Key Benefits

• • No tax returns required
• • Qualify using personal or business bank statements
• • Loan amounts up to $3 million or more
• • Available for primary residences, second homes, and investment properties

How many months of bank statements are required?

Can I use business bank statements?

Do I need a higher down payment?