Your tax return doesn't tell the whole story. Your bank statements do.

A lot of self-employed borrowers earn well and save well, but their tax returns don't show it because they run their businesses the right way. The Bank Statement Loan Program qualifies you using 12 to 24 months of deposits instead, with loan amounts up to $3 million and no private mortgage insurance typically required.

Built for the way you actually earn.
This program doesn't ask your income to look like something it isn't.

Twelve to 24 months of bank statements replace the W-2 and tax return requirement entirely. If your deposits show consistent, strong cash flow, that's what the program looks at, and that's what matters.

Higher loan-to-value options mean less cash needed upfront for the right borrower. You don't have to drain your business reserves to get into a home or an investment property.

Primary residences, investment properties, and non-warrantable properties all qualify. Whether you're buying a place to live or adding to a portfolio, this program moves with your goals.

Supports debt-to-income ratios up to 50% and is designed for self-employed professionals, freelancers, contractors, business owners, and real estate investors with non-traditional income.

Ready to talk through your options?

The guide covers how the Bank Statement Loan Program works in detail. The next step is a conversation about your income, your timeline, and what homeownership could look like based on your unique financial picture.