You run a business. Your mortgage should get that.
Bank statement, 1099 and P&L programs qualify you on the cash flow your business actually produces, not the taxable income left after your accountant does their job. Built for owners, contractors and professionals the big banks turn away.
Is this your situation?
- Business owners whose tax returns understate their real income
- Independent contractors and professionals paid on 1099s
- Borrowers a bank already declined because of how they document income
- Buyers or refinancers with a recent credit event in the rear-view mirror
- Anyone told "come back after two more years of tax returns"
What this program offers
- Qualify with 12 or 24 months of business or personal bank statements
- 1099-based programs for contractors and commissioned professionals
- P&L programs using a prepared profit and loss statement
- No tax returns or W-2s required on these programs
- Recent credit events considered case by case
- Purchase, rate-and-term and cash-out refinance available
- Flexible documentation matched to how your business actually runs
- Files built meticulously and complete before submission
Four steps, no mystery
Talk
A 15-minute call about your goals and timeline. No documents needed yet.
Pre-Approve
We shop your scenario across wholesale lenders and issue your letter or review.
Lock and Process
We lock your rate at the right moment and manage every document and deadline.
Close
You sign, we fund. On time, with no surprises at the table.
Answered in plain English
How does a bank statement loan work?
Instead of tax returns, the lender reviews 12 or 24 months of your bank statements and calculates qualifying income from your real deposits. Expense factors vary by business type. It is a full, legitimate mortgage, just documented in a way that fits business owners.
Why would I use this instead of a conventional loan?
If your tax returns support the loan size you want, conventional is usually the better deal and we will tell you so. Bank statement programs exist for owners who write off aggressively, are growing fast, or have income that tax returns simply do not capture.
Do I need perfect credit?
No. These programs consider recent credit events, from a late payment stretch to a past bankruptcy or foreclosure, with waiting periods that are often shorter than conventional guidelines. The whole file matters, not one number.
Are the costs higher than a regular mortgage?
Non-QM programs generally price somewhat higher than conventional loans because the documentation is more flexible. We shop your scenario across lenders and show you the tradeoff honestly, so you can decide with real numbers on the table.
What documents will you actually ask for?
Typically bank statements for the qualifying period, a business license or CPA letter confirming self-employment, and standard items like ID and insurance. No tax returns, no W-2s on these programs.
Can I use a bank statement loan for an investment property?
Often the cleaner tool for a rental is a DSCR loan, which qualifies on the property income and skips personal income entirely. On the first call we compare both paths and pick the one that fits.
Turned away over how you document income?
Send us the scenario the bank declined. Rescuing self-employed files is what we do every week.
See If I Qualify