Get a Mortgage Without Tax Returns
Self-employed? Business owner? Freelancer? Stop fighting traditional lenders. Get approved based on your actual business income with bank statement loans.
Months of Bank Statements
Days to Approval
Loan Amounts
The Self-Employed Mortgage Problem
If you're self-employed, you know the frustration of traditional mortgage lending. Here's what we hear all the time:
We look at your actual bank deposits instead. Your real income is what matters.
12-24 months of bank statements. That's it. No accountant letters or business plans.
Get approved in 3-5 days. Close in as little as 7 days.
We specialize in self-employed borrowers. Your situation is our expertise.
LLC? S-Corp? Partnership? We work with all business structures.
Our team specializes in self-employed lending. We get it.
Why Bank Statement Loans Work for Self-Employed
Bank statement loans are specifically designed for business owners who want to qualify based on actual deposits, not tax returns.
Your bank deposits tell the real story. We see exactly what your business generates.
Sole proprietor, LLC, S-Corp, C-Corp, Partnership—we work with all structures.
3-5 day approval. 7 day close. Get your mortgage when you need it.
Qualify for $500K+ loans based on your actual business income.
12-24 months of bank statements. That's the main document we need.
Our team specializes in self-employed lending. We understand your situation.
Bank Statement Loan Requirements
Here's what you need to qualify for a bank statement loan.
How Bank Statement Loans Work
The process is simple and straightforward.
Fill out our simple application with basic business info.
Send 12-24 months of bank statements. That's the key document.
We review and approve within 3-5 business days.
Close your loan in as little as 7 days. Get your money.
Success Stories from Self-Employed Borrowers
See how other self-employed professionals got approved for mortgages.
David Thompson
Consultant, New York
Lisa Wong
Freelance Designer, California
Marcus Johnson
Business Owner, Texas
What's Inside:
- Complete list of required documents
- Bank statement guidelines
- Tax return preparation tips
- Lender-specific requirements
- Printable checklist format
Frequently Asked Questions
Yes, we need 2 years of personal and business tax returns. However, we primarily qualify you based on your bank statements, not the income shown on your returns.
We typically need 12-24 months of bank statements. The longer history helps us verify consistent income.
Our minimum credit score is 580 for bank statement loans. For FHA manual underwriting, we can go as low as 500 with 10% down. See the FHA Handbook (HUD 4000.1) for details.
Most applications are approved within 3-5 business days. We can close in as little as 7 days.
That's fine! We can average multiple bank accounts to calculate your total qualifying income.
Yes. We work with consultants, freelancers, contractors, small business owners, and more. As long as you have consistent deposits, we can help.
Stop Fighting Traditional Lenders
Get pre-qualified for a bank statement loan in minutes. No application fees. No hidden costs.